How have SBA loans in Private Mail Centers turned out?
Of 1,764 loans approved in fiscal 2001 to 2021 (at least five years old), 263 (14.9%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Private Mail Centers appears on 2,453 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $546.5 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.
Private Mail CentersIndustry NAICS 561431 · 2,453 loans
15%of seasoned loans charged off
Private Mail Centers appears on 2,453 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $546.5 million in gross approvals.
Of 1,764 loans approved in fiscal 2001 to 2021 (at least five years old), 263 (14.9%) 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
98
$12.4 million
81
17
0
17.3%
FY2002
171
$21.1 million
151
19
1
11.1%
FY2003
194
$22.9 million
172
22
0
11.3%
FY2004
233
$29.5 million
194
37
2
15.9%
FY2005
215
$28.8 million
173
41
1
19.1%
FY2006
129
$17.2 million
86
43
0
33.3%
FY2007
83
$10.1 million
43
40
0
48.2%
FY2008
73
$10.5 million
48
25
0
34.2%
FY2009
37
$5.5 million
35
2
0
5.4%
FY2010
46
$5.2 million
43
3
0
6.5%
FY2011
31
$4.3 million
31
0
0
0.0%
FY2012
27
$5.7 million
24
3
0
11.1%
FY2013
32
$5.8 million
32
0
0
0.0%
FY2014
38
$8.9 million
36
2
0
5.3%
FY2015
28
$4.5 million
24
4
0
14.3%
FY2016
44
$9.0 million
40
1
3
2.3%
FY2017
56
$11.2 million
40
2
14
3.6%
FY2018
37
$8.7 million
31
0
6
0.0%
FY2019
48
$15.2 million
31
1
16
2.1%
FY2020
44
$11.3 million
27
1
16
2.3%
FY2021
100
$38.4 million
44
0
56
0.0%
FY2022
118
$42.7 million
22
4
92
too recent for a share
FY2023
163
$62.1 million
23
0
140
too recent for a share
FY2024
133
$51.8 million
8
0
125
too recent for a share
FY2025
173
$67.5 million
2
0
171
too recent for a share
FY2026
102
$36.0 million
0
0
102
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
282
52
18.4%
Texas
228
37
16.2%
Florida
129
18
14.0%
Georgia
78
13
16.7%
Ohio
66
11
16.7%
North Carolina
64
14
21.9%
Arizona
61
8
13.1%
Illinois
56
10
17.9%
New York
53
5
9.4%
Washington
51
8
15.7%
Colorado
46
8
17.4%
New Jersey
45
2
4.4%
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.