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 233Independent Advantage

NAICS 233

SBA loan performance data based on 4,659 resolved loans

Overall Default Rate
14.9%
All businesses
Avg Loan Size
$180K
Non-franchise
Resolved Loans
4,659
In our database
Franchise Advantage
-6.2%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate14.9%21.1%
Avg Loan Size$180K$173K
Resolved Loans4,62138
Chargeoffs6908
Franchise Brands-15

Default Rate Comparison

All Businesses14.9%
Franchise Businesses21.1%

Franchise Brands in NAICS 233

There are 15 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 21.1% default rate compared to 14.9% for all businesses.

Browse 15 Franchise Brands

Explore Related Data

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About SBA Loans for NAICS 233

The NAICS 233 sector (NAICS 233) has 4,659 resolved SBA loans in our database with an overall default rate of 14.9%. This is near the national average for SBA loans.

Interestingly, independent businesses in NAICS 233 actually perform better than franchises, with a 14.9% default rate vs 21.1% for franchise operations.

The average SBA loan size in this sector is $180K. Franchise operations in this industry have an average loan size of $173K, lower than the industry average.

NAICS 233 Get Financing