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 454Independent Advantage

Nonstore Retailers

SBA loan performance data based on 11,889 resolved loans

Overall Default Rate
15.3%
All businesses
Avg Loan Size
$253K
Non-franchise
Resolved Loans
11,889
In our database
Franchise Advantage
-7.8%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate15.3%23.1%
Avg Loan Size$253K$259K
Resolved Loans11,408481
Chargeoffs1,746111
Franchise Brands-109

Default Rate Comparison

All Businesses15.3%
Franchise Businesses23.1%

Franchise Brands in Nonstore Retailers

There are 109 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 23.1% default rate compared to 15.3% for all businesses.

Browse 109 Franchise Brands

Explore Related Data

Looking for Nonstore Retailers Financing?

PeerSense connects you with SBA lenders who specialize in your industry. Get matched based on real lending data, not generic directories.

About SBA Loans for Nonstore Retailers

The Nonstore Retailers sector (NAICS 454) has 11,889 resolved SBA loans in our database with an overall default rate of 15.3%. This is near the national average for SBA loans.

Interestingly, independent businesses in Nonstore Retailers actually perform better than franchises, with a 15.3% default rate vs 23.1% for franchise operations.

The average SBA loan size in this sector is $253K. Franchise operations in this industry have an average loan size of $259K, higher than the industry average.

Nonstore Retailers Get Financing