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 421Independent Advantage

NAICS 421

SBA loan performance data based on 14,196 resolved loans

Overall Default Rate
11.1%
All businesses
Avg Loan Size
$285K
Non-franchise
Resolved Loans
14,196
In our database
Franchise Advantage
-10.7%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate11.1%21.8%
Avg Loan Size$285K$155K
Resolved Loans14,095101
Chargeoffs1,56322
Franchise Brands-60

Default Rate Comparison

All Businesses11.1%
Franchise Businesses21.8%

Franchise Brands in NAICS 421

There are 60 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 21.8% default rate compared to 11.1% for all businesses.

Browse 60 Franchise Brands

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About SBA Loans for NAICS 421

The NAICS 421 sector (NAICS 421) has 14,196 resolved SBA loans in our database with an overall default rate of 11.1%. This is below the national average, indicating relatively strong loan performance in this industry.

Interestingly, independent businesses in NAICS 421 actually perform better than franchises, with a 11.1% default rate vs 21.8% for franchise operations.

The average SBA loan size in this sector is $285K. Franchise operations in this industry have an average loan size of $155K, lower than the industry average.

NAICS 421 Get Financing