SBA loan performance data based on 4,617 resolved loans
| Metric | All Businesses | Franchise Only |
|---|---|---|
| Default Rate | 26.9% | 23.4% |
| Avg Loan Size | $161K | $186K |
| Resolved Loans | 4,403 | 214 |
| Chargeoffs | 1,183 | 50 |
| Franchise Brands | - | 84 |
There are 84 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 23.4% default rate compared to 26.9% for all businesses.
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The General Merchandise Stores sector (NAICS 452) has 4,617 resolved SBA loans in our database with an overall default rate of 26.9%. This is above the national average, suggesting higher risk for SBA lenders in this sector.
Franchise businesses in General Merchandise Stores default at 23.4% compared to 26.9% for all businesses, a 3.5 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.
The average SBA loan size in this sector is $161K. Franchise operations in this industry have an average loan size of $186K, higher than the industry average.