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 422Independent Advantage

NAICS 422

SBA loan performance data based on 9,706 resolved loans

Overall Default Rate
12.9%
All businesses
Avg Loan Size
$286K
Non-franchise
Resolved Loans
9,706
In our database
Franchise Advantage
-9.1%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate12.9%22%
Avg Loan Size$286K$251K
Resolved Loans9,64759
Chargeoffs1,24313
Franchise Brands-59

Default Rate Comparison

All Businesses12.9%
Franchise Businesses22%

Franchise Brands in NAICS 422

There are 59 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 22% default rate compared to 12.9% for all businesses.

Browse 59 Franchise Brands

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About SBA Loans for NAICS 422

The NAICS 422 sector (NAICS 422) has 9,706 resolved SBA loans in our database with an overall default rate of 12.9%. This is near the national average for SBA loans.

Interestingly, independent businesses in NAICS 422 actually perform better than franchises, with a 12.9% default rate vs 22% for franchise operations.

The average SBA loan size in this sector is $286K. Franchise operations in this industry have an average loan size of $251K, lower than the industry average.

NAICS 422 Get Financing