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 721Independent Advantage

Full-Service Restaurants

SBA loan performance data based on 20,971 resolved loans

Overall Default Rate
11.2%
All businesses
Avg Loan Size
$990K
Non-franchise
Resolved Loans
20,971
In our database
Franchise Advantage
-1.8%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate11.2%13%
Avg Loan Size$990K$1.7M
Resolved Loans12,8468,125
Chargeoffs1,4361,055
Franchise Brands-344

Default Rate Comparison

All Businesses11.2%
Franchise Businesses13%

Franchise Brands in Full-Service Restaurants

There are 344 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 13% default rate compared to 11.2% for all businesses.

Browse 344 Franchise Brands

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About SBA Loans for Full-Service Restaurants

The Full-Service Restaurants sector (NAICS 721) has 20,971 resolved SBA loans in our database with an overall default rate of 11.2%. This is below the national average, indicating relatively strong loan performance in this industry.

Interestingly, independent businesses in Full-Service Restaurants actually perform better than franchises, with a 11.2% default rate vs 13% for franchise operations.

The average SBA loan size in this sector is $990K. Franchise operations in this industry have an average loan size of $1.7M, higher than the industry average.

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