SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Money Mailer Franchise Failure Rate on SBA Loans: 2 of 18 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
2 of 18 Money Mailer SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.
2 of 18 SBA 7(a) loans to Money Mailer franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Money Mailer franchise failure rate on SBA loans?
Money Mailer is a Direct Mail Advertising franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Money Mailer franchisees: 18 loans approved between fiscal 2010 and 2019, of which 2 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201918
- Charged off2
- Charge-off rate (small sample)11.1%
- Direct Mail Advertising franchise benchmark14.1%
- Brand vs industry0.8x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$173,556
- New SBA loans since 20201
- Early charge-offs since 20200
How does Money Mailer compare with other Direct Mail Advertising franchises?
The table sets Money Mailer's charge-off rate beside its Direct Mail Advertising peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Money Mailer | Direct Mail Advertising | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 11.1% (small sample) | 14.1% | 10.2% | 8.0% |
| Loans in sample | 18 | — | — | — |
| Defaults | 2 | — | — | — |
| Average loan size | $173,556 | — | — | — |
What has Money Mailer SBA lending looked like since 2020?
Since 2020, Money Mailer franchisees have taken 1 new SBA 7(a) loan. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2013 | 3 | 0 | 0.0% |
| FY2014 | 4 | 0 | 0.0% |
| FY2015 | 3 | 1 | 33.3% |
| FY2016 | 4 | 1 | 25.0% |
| FY2017 | 3 | 0 | 0.0% |
| FY2019 | 1 | 0 | 0.0% |
| FY2026 | 1 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Money Mailer's figure rests on 18 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the count is a settled outcome, not a projection. With 18 resolved loans, one default moves the rate by about 5.6 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Money Mailer figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (18 loans). A single default moves this figure substantially.
Frequently asked
- What is Money Mailer's franchise failure rate on SBA loans?
- 2 of 18 SBA 7(a) loans to Money Mailer franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Money Mailer a safe franchise investment?
- Between 2010–2019, 2 of 18 SBA loans to Money Mailer franchisees were charged off. The sample is small. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Money Mailer franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 2 of 18 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/money-mailer/ · Data & methodology · Download the dataset (CSV)