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 238Franchise Advantage

Specialty Trade Contractors

SBA loan performance data based on 69,474 resolved loans

Overall Default Rate
16.4%
All businesses
Avg Loan Size
$264K
Non-franchise
Resolved Loans
69,474
In our database
Franchise Advantage
+0.1%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate16.4%16.3%
Avg Loan Size$264K$263K
Resolved Loans68,580894
Chargeoffs11,216146
Franchise Brands-400

Default Rate Comparison

All Businesses16.4%
Franchise Businesses16.3%

Franchise Brands in Specialty Trade Contractors

There are 400 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 16.3% default rate compared to 16.4% for all businesses.

Browse 400 Franchise Brands

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About SBA Loans for Specialty Trade Contractors

The Specialty Trade Contractors sector (NAICS 238) has 69,474 resolved SBA loans in our database with an overall default rate of 16.4%. This is near the national average for SBA loans.

Franchise businesses in Specialty Trade Contractors default at 16.3% compared to 16.4% for all businesses, a 0.1 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.

The average SBA loan size in this sector is $264K. Franchise operations in this industry have an average loan size of $263K, lower than the industry average.

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