How have SBA loans in Local Messengers and Local Delivery turned out?
Of 1,310 loans approved in fiscal 2001 to 2021 (at least five years old), 233 (17.8%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Local Messengers and Local Delivery appears on 1,555 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $319.3 million in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Local Messengers and Local DeliveryIndustry NAICS 492210 · 1,555 loans
18%of seasoned loans charged off
Local Messengers and Local Delivery appears on 1,555 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $319.3 million in gross approvals.
Of 1,310 loans approved in fiscal 2001 to 2021 (at least five years old), 233 (17.8%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year
Every approval year
Approval year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2001
34
$5.7 million
27
7
0
20.6%
FY2002
43
$5.1 million
37
6
0
14.0%
FY2003
66
$3.8 million
52
14
0
21.2%
FY2004
91
$7.2 million
75
16
0
17.6%
FY2005
113
$6.5 million
82
31
0
27.4%
FY2006
139
$12.6 million
92
47
0
33.8%
FY2007
137
$8.8 million
93
44
0
32.1%
FY2008
79
$3.4 million
56
23
0
29.1%
FY2009
36
$3.1 million
28
8
0
22.2%
FY2010
38
$4.8 million
35
2
1
5.3%
FY2011
33
$2.6 million
31
2
0
6.1%
FY2012
20
$1.5 million
17
2
1
10.0%
FY2013
28
$3.2 million
25
3
0
10.7%
FY2014
41
$3.1 million
40
1
0
2.4%
FY2015
41
$9.7 million
36
5
0
12.2%
FY2016
64
$13.8 million
57
3
4
4.7%
FY2017
52
$12.4 million
40
3
9
5.8%
FY2018
65
$18.3 million
46
8
11
12.3%
FY2019
50
$15.9 million
36
4
10
8.0%
FY2020
73
$27.7 million
50
3
20
4.1%
FY2021
67
$34.2 million
33
1
33
1.5%
FY2022
52
$18.4 million
13
6
33
too recent for a share
FY2023
50
$19.9 million
12
7
31
too recent for a share
FY2024
62
$23.2 million
6
1
55
too recent for a share
FY2025
53
$32.3 million
0
0
53
too recent for a share
FY2026
28
$21.9 million
0
0
28
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2001 to 2021)
Charged off
Share
California
113
29
25.7%
New York
96
17
17.7%
Florida
86
26
30.2%
Texas
80
22
27.5%
Pennsylvania
68
14
20.6%
Ohio
66
11
16.7%
Illinois
66
12
18.2%
Colorado
56
2
3.6%
Missouri
48
4
8.3%
Michigan
44
10
22.7%
Massachusetts
42
6
14.3%
Washington
39
4
10.3%
US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.