Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
NAICS 445Independent Advantage

Food & Beverage Stores

SBA loan performance data based on 41,682 resolved loans

Overall Default Rate
16.2%
All businesses
Avg Loan Size
$368K
Non-franchise
Resolved Loans
41,682
In our database
Franchise Advantage
-2.7%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate16.2%18.9%
Avg Loan Size$368K$311K
Resolved Loans39,8581,824
Chargeoffs6,441345
Franchise Brands-628

Default Rate Comparison

All Businesses16.2%
Franchise Businesses18.9%

Franchise Brands in Food & Beverage Stores

There are 628 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 18.9% default rate compared to 16.2% for all businesses.

Browse 628 Franchise Brands

Explore Related Data

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About SBA Loans for Food & Beverage Stores

The Food & Beverage Stores sector (NAICS 445) has 41,682 resolved SBA loans in our database with an overall default rate of 16.2%. This is near the national average for SBA loans.

Interestingly, independent businesses in Food & Beverage Stores actually perform better than franchises, with a 16.2% default rate vs 18.9% for franchise operations.

The average SBA loan size in this sector is $368K. Franchise operations in this industry have an average loan size of $311K, lower than the industry average.

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