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✦Prime Rate:6.75%✦Fed Funds:3.75%✦5-Yr Treasury:4.55%↓✦10-Yr Treasury:4.78%↓✦30-Yr Treasury:5.24%↓✦30-Yr Mortgage:6.66%·Updated Sep 7, 2026✦Prime Rate:6.75%✦Fed Funds:3.75%✦5-Yr Treasury:4.55%↓✦10-Yr Treasury:4.78%↓✦30-Yr Treasury:5.24%↓✦30-Yr Mortgage:6.66%·Updated Sep 7, 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 (resolved-loan basis)
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 Rate (resolved-loan basis)16.4%16.3%
Avg Loan Size$264K$263K
Resolved Loans68,580894
Chargeoffs11,216146
Franchise Brands-400

Default Rate Comparison (resolved-loan basis)

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 (resolved-loan basis).

Browse 400 Franchise Brands

Looking for Specialty Trade Contractors Financing?

PeerSense sources SBA capital for this industry from a curated network. Talk to PeerSense.

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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