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 221Franchise Advantage

Utilities

SBA loan performance data based on 1,197 resolved loans

Overall Default Rate
11.7%
All businesses
Avg Loan Size
$367K
Non-franchise
Resolved Loans
1,197
In our database
Franchise Advantage
+6.4%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate11.7%5.3%
Avg Loan Size$367K$501K
Resolved Loans1,17819
Chargeoffs1381
Franchise Brands-14

Default Rate Comparison

All Businesses11.7%
Franchise Businesses5.3%

Franchise Brands in Utilities

There are 14 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 5.3% default rate compared to 11.7% for all businesses.

Browse 14 Franchise Brands

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About SBA Loans for Utilities

The Utilities sector (NAICS 221) has 1,197 resolved SBA loans in our database with an overall default rate of 11.7%. This is below the national average, indicating relatively strong loan performance in this industry.

Franchise businesses in Utilities default at 5.3% compared to 11.7% for all businesses, a 6.4 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.

The average SBA loan size in this sector is $367K. Franchise operations in this industry have an average loan size of $501K, higher than the industry average.

Utilities Get Financing