Private Mail Centers: SBA business acquisition loan data
267 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Private Mail Centers (NAICS 561431), totaling $128M. Median loan $370,400, 43% lower than the all-acquisition median. 82% of these deals were franchised units.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
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 $593,600 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.5% of all SBA-financed business purchases, ranking #42 of 300 industries tracked.
- Geography. California leads with 36 loans; the top five states account for 40% of the industry's acquisitions.
- Jobs. Lenders reported 1,751 jobs supported across these loans, about 6.6 per acquisition, a rough proxy for the size of business changing hands.
Private Mail Centers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 12 | $3.7M | $250,000 | |
| FY2019 | 20 | $8.8M | $267,550 | |
| FY2020 | 16 | $5.5M | $242,900 | |
| FY2021 | 31 | $14.1M | $287,000 | |
| FY2022 | 32 | $14.1M | $373,850 | |
| FY2023 | 50 | $25.2M | $447,500 | |
| FY2024 | 35 | $17.9M | $400,200 | |
| FY2025 | 33 | $16.9M | $400,000 | |
| FY2026 | 38 | $21.7M | $472,300 |
How often do these acquisition loans fail?
Of the 79 Private Mail Centers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 2.5% by loan count and 1.0% by dollars. 48 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Private Mail Centers is 28% lower than the acquisition-loan average. 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 36 | 13.5% | $12.9M | |
| 2 | Florida | 29 | 10.9% | $20.6M | |
| 3 | Georgia | 15 | 5.6% | $5.9M | |
| 4 | North Carolina | 14 | 5.2% | $7.9M | |
| 5 | Ohio | 13 | 4.9% | $4.7M | |
| 6 | Pennsylvania | 12 | 4.5% | $6.6M | |
| 7 | Texas | 12 | 4.5% | $5.9M | |
| 8 | Illinois | 12 | 4.5% | $4.8M | |
| 9 | New Jersey | 10 | 3.7% | $3.6M | |
| 10 | Connecticut | 9 | 3.4% | $6.8M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 49 | 18.4% | $21.9M | |
| 2 | Merchants Bank of Indiana | 19 | 7.1% | $9.7M | |
| 3 | United Community Bank | 11 | 4.1% | $5.8M | |
| 4 | Bank of America, National Association | 10 | 3.7% | $7.6M | |
| 5 | Citizens Bank | 10 | 3.7% | $5.7M | |
| 6 | Live Oak Banking Company | 9 | 3.4% | $8.5M | |
| 7 | The Bancorp Bank National Association | 8 | 3.0% | $5.8M | |
| 8 | Stearns Bank National Association | 8 | 3.0% | $1.6M | |
| 9 | Bank of Hope | 6 | 2.2% | $1M | |
| 10 | Manufacturers and Traders Trust Company | 5 | 1.9% | $2M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Private Mail Centers
82% 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 | 207 | 94.5% | $101M | |
| 2 | PostalAnnex+ | 5 | 2.3% | $1.2M | |
| 3 | Pak Mail | 3 | 1.4% | $592K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Private Mail Centers?
Median $370,400 across 267 acquisition loans (FY2018 to FY2026); the middle half ran $240,000 to $593,600. That is 43% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Private Mail Centers acquisitions?
The Huntington National Bank (49), Merchants Bank of Indiana (19), United Community Bank (11), Bank of America, National Association (10), Citizens Bank (10).
Are businesses in Private Mail Centers often franchised?
Yes, often. 82% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store, PostalAnnex+, Pak Mail.
How risky are SBA loans for buying a business in Private Mail Centers?
Of 79 seasoned loans (FY2018 to FY2021), 2.5% charged off, 28% lower than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Private Mail Centers acquisitions?
Median term 10 years, average initial rate 8.20% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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