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 424Franchise Advantage

Wholesale-Nondurable Goods

SBA loan performance data based on 21,376 resolved loans

Overall Default Rate
19.5%
All businesses
Avg Loan Size
$458K
Non-franchise
Resolved Loans
21,376
In our database
Franchise Advantage
+1.9%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate19.5%17.6%
Avg Loan Size$458K$477K
Resolved Loans21,257119
Chargeoffs4,15521
Franchise Brands-119

Default Rate Comparison

All Businesses19.5%
Franchise Businesses17.6%

Franchise Brands in Wholesale-Nondurable Goods

There are 119 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 17.6% default rate compared to 19.5% for all businesses.

Browse 119 Franchise Brands

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About SBA Loans for Wholesale-Nondurable Goods

The Wholesale-Nondurable Goods sector (NAICS 424) has 21,376 resolved SBA loans in our database with an overall default rate of 19.5%. This is above the national average, suggesting higher risk for SBA lenders in this sector.

Franchise businesses in Wholesale-Nondurable Goods default at 17.6% compared to 19.5% for all businesses, a 1.9 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.

The average SBA loan size in this sector is $458K. Franchise operations in this industry have an average loan size of $477K, higher than the industry average.

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