Postal Service: SBA business acquisition loan data
21 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Postal Service (NAICS 491110), totaling $12.7M. Median loan $475,000, 26% lower than the all-acquisition median. 43% of these deals were franchised units.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $843,500 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #287 of 300 industries tracked.
- Geography. California leads with 4 loans; the top five states account for 52% of the industry's acquisitions.
- Jobs. Lenders reported 147 jobs supported across these loans, about 7.0 per acquisition, a rough proxy for the size of business changing hands.
Postal Service acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $396K | $198,150 | |
| FY2019 | 2 | $1.8M | $881,900 | |
| FY2020 | 1 | $806K | $805,500 | |
| FY2021 | 2 | $294K | $146,750 | |
| FY2022 | 1 | $290K | $290,000 | |
| FY2023 | 4 | $1.3M | $313,250 | |
| FY2024 | 4 | $2.4M | $737,500 | |
| FY2025 | 3 | $3.5M | $1,300,000 | |
| FY2026 | 2 | $1.9M | $967,500 |
How often do these acquisition loans fail?
Fewer than 20 Postal Service acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 4 | 19.0% | $2.6M | |
| 2 | Massachusetts | 2 | 9.5% | $2M | |
| 3 | Washington | 2 | 9.5% | $1.7M | |
| 4 | Wisconsin | 2 | 9.5% | $860K | |
| 5 | North Carolina | 1 | 4.8% | $1.3M | |
| 6 | Connecticut | 1 | 4.8% | $865K | |
| 7 | Minnesota | 1 | 4.8% | $844K | |
| 8 | Michigan | 1 | 4.8% | $806K | |
| 9 | Florida | 1 | 4.8% | $475K | |
| 10 | Maryland | 1 | 4.8% | $377K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 9 | 42.9% | $7.3M | |
| 2 | Celtic Bank Corporation | 3 | 14.3% | $2.6M | |
| 3 | The Huntington National Bank | 2 | 9.5% | $294K | |
| 4 | Granite Bank | 1 | 4.8% | $844K | |
| 5 | Byline Bank | 1 | 4.8% | $655K | |
| 6 | Commonwealth Business Bank | 1 | 4.8% | $290K | |
| 7 | Wells Fargo Bank National Association | 1 | 4.8% | $276K | |
| 8 | FCNB Bank | 1 | 4.8% | $167K | |
| 9 | St. Mary's Bank | 1 | 4.8% | $150K | |
| 10 | Bank of Hope | 1 | 4.8% | $120K |
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
Franchise brands in Postal Service
43% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 7 | 77.8% | $4.5M | |
| 2 | PostalAnnex+ | 1 | 11.1% | $276K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Postal Service?
Median $475,000 across 21 acquisition loans (FY2018 to FY2026); the middle half ran $166,500 to $843,500. That is 26% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Postal Service acquisitions?
Live Oak Banking Company (9), Celtic Bank Corporation (3), The Huntington National Bank (2), Granite Bank (1), Byline Bank (1).
Are businesses in Postal Service often franchised?
Yes, often. 43% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store, PostalAnnex+.
How risky are SBA loans for buying a business in Postal Service?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Postal Service acquisitions?
Median term 10 years, average initial rate 8.39% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options