SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Postal Service turned out?

Of 443 loans approved in fiscal 2001 to 2021 (at least five years old), 86 (19.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Postal Service appears on 504 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $82.1 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.
Postal ServiceIndustry NAICS 491110 · 504 loans
19%of seasoned loans charged off
  1. Postal Service appears on 504 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $82.1 million in gross approvals.
  2. Of 443 loans approved in fiscal 2001 to 2021 (at least five years old), 86 (19.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. 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.
0%35%Fiscal 2001: 11 of 37 loans charged off (29.7%)Fiscal 2002: 8 of 49 loans charged off (16.3%)Fiscal 2003: 15 of 53 loans charged off (28.3%)Fiscal 2004: 6 of 51 loans charged off (11.8%)Fiscal 2005: 9 of 48 loans charged off (18.8%)Fiscal 2006: 8 of 35 loans charged off (22.9%)Fiscal 2007: 15 of 43 loans charged off (34.9%)Fiscal 2008: 6 of 29 loans charged off (20.7%)Fiscal 2009: 3 of 16 loans charged off (18.8%)Fiscal 2015: 1 of 10 loans charged off (10.0%)Fiscal 2016: 0 of 14 loans charged off (0.0%)20012002200320042005200620072008200920152016
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 yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY200137$6.3 million2611029.7%
FY200249$6.9 million418016.3%
FY200353$7.8 million3815028.3%
FY200451$6.3 million456011.8%
FY200548$4.7 million399018.8%
FY200635$3.2 million278022.9%
FY200743$4.3 million2815034.9%
FY200829$4.4 million236020.7%
FY200916$1.6 million133018.8%
FY20106$1.2 million600few loans
FY20119$1.3 million900few loans
FY20124$2.9 million400few loans
FY20131$171,000100few loans
FY20145$729,000410few loans
FY201510$1.4 million91010.0%
FY201614$1.9 million14000.0%
FY20177$1.6 million511few loans
FY20185$1.2 million302few loans
FY20197$2.8 million421few loans
FY20207$2.0 million304few loans
FY20217$1.3 million007few loans
FY20228$2.7 million206too recent for a share
FY202320$3.7 million1019too recent for a share
FY202415$4.1 million0015too recent for a share
FY202513$5.3 million1012too recent for a share
FY20265$2.5 million005too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2001 to 2021)Charged offShare
Texas571322.8%
California53815.1%

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.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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