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 441Franchise Advantage

Motor Vehicle Dealers

SBA loan performance data based on 19,727 resolved loans

Overall Default Rate
18.1%
All businesses
Avg Loan Size
$378K
Non-franchise
Resolved Loans
19,727
In our database
Franchise Advantage
+6.2%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate18.1%11.9%
Avg Loan Size$378K$611K
Resolved Loans18,836891
Chargeoffs3,400106
Franchise Brands-216

Default Rate Comparison

All Businesses18.1%
Franchise Businesses11.9%

Franchise Brands in Motor Vehicle Dealers

There are 216 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 11.9% default rate compared to 18.1% for all businesses.

Browse 216 Franchise Brands

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About SBA Loans for Motor Vehicle Dealers

The Motor Vehicle Dealers sector (NAICS 441) has 19,727 resolved SBA loans in our database with an overall default rate of 18.1%. This is above the national average, suggesting higher risk for SBA lenders in this sector.

Franchise businesses in Motor Vehicle Dealers default at 11.9% compared to 18.1% for all businesses, a 6.2 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.

The average SBA loan size in this sector is $378K. Franchise operations in this industry have an average loan size of $611K, higher than the industry average.

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