SBA loan performance data based on 30,069 resolved loans
| Metric | All Businesses | Franchise Only |
|---|---|---|
| Default Rate | 21.7% | 18.5% |
| Avg Loan Size | $148K | $225K |
| Resolved Loans | 28,486 | 1,583 |
| Chargeoffs | 6,170 | 293 |
| Franchise Brands | - | 367 |
There are 367 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 18.5% default rate compared to 21.7% for all businesses.
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The Miscellaneous Retail sector (NAICS 453) has 30,069 resolved SBA loans in our database with an overall default rate of 21.7%. This is above the national average, suggesting higher risk for SBA lenders in this sector.
Franchise businesses in Miscellaneous Retail default at 18.5% compared to 21.7% for all businesses, a 3.2 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.
The average SBA loan size in this sector is $148K. Franchise operations in this industry have an average loan size of $225K, higher than the industry average.