Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Postal Annex+ Franchise Failure Rate on SBA Loans: 3 of 17 Charged Off (Federal Data)

3 of 17
SBA 7(a) loans to Postal Annex+ franchisees (FY2010–2019) ended in charge-off
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Postal Annex+ against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Postal Annex+ 17.6%; Private Mail Centers 4.9%; All franchises 10.2%Postal Annex+ 17.6%; Private Mail Centers 4.9%; All franchises 10.2%0%5%10%15%Postal Annex+17.6% (small sample)Private Mail Centers4.9%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Postal Annex+ 17.6%; Private Mail Centers 4.9%; All franchises 10.2%Postal Annex+ 17.6%; Private Mail Centers 4.9%; All franchises 10.2%0%5%10%15%Postal Annex+17.6% (small sample)Private Mail Centers4.9%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

3 of 17 Postal Annex+ SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.

3 of 17 SBA 7(a) loans to Postal Annex+ 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 Postal Annex+ franchise failure rate on SBA loans?

Postal Annex+ is a Private Mail Centers franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Postal Annex+ franchisees: 17 loans approved between fiscal 2010 and 2019, of which 3 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.

How does Postal Annex+ compare with other Private Mail Centers franchises?

The table sets Postal Annex+'s charge-off rate beside its Private Mail Centers 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. A cell in red is more than twice the industry benchmark.

Postal Annex+ versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasurePostal Annex+Private Mail CentersAll franchisesAll SBA borrowers
Default (charge-off) rate17.6% (small sample)4.9%10.2%8.0%
Loans in sample17———
Defaults3———
Average loan size$116,629———
Charge-off rate by approval year — share of each fiscal year's Postal Annex+ SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2014 0% of 2 loans; FY2015 25% of 4 loans; FY2016 0% of 2 loans; FY2017 25% of 8 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2014 0% of 2 loans; FY2015 25% of 4 loans; FY2016 0% of 2 loans; FY2017 25% of 8 loans; FY2018 0% of 1 loans0%5%10%0%2014n=225%2015n=40%2016n=225%2017n=80%2018n=1
Charge-off rate by approval year: FY2014 0% of 2 loans; FY2015 25% of 4 loans; FY2016 0% of 2 loans; FY2017 25% of 8 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2014 0% of 2 loans; FY2015 25% of 4 loans; FY2016 0% of 2 loans; FY2017 25% of 8 loans; FY2018 0% of 1 loans0%5%10%0%’14n=225%’15n=40%’16n=225%’17n=80%’18n=1

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2014200.0%
FY20154125.0%
FY2016200.0%
FY20178225.0%
FY2018100.0%

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?

Postal Annex+'s figure rests on 17 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 17 resolved loans, one default moves the rate by about 5.9 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 Postal Annex+ figure is recomputed from the public SBA FOIA file on each rebuild.

Small sample (17 loans). A single default moves this figure substantially.

Frequently asked

What is Postal Annex+'s franchise failure rate on SBA loans?
3 of 17 SBA 7(a) loans to Postal Annex+ 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 Postal Annex+ a safe franchise investment?
Between 2010–2019, 3 of 17 SBA loans to Postal Annex+ 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). Postal Annex+ franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 3 of 17 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/postal-annex/ · Data & methodology · Download the dataset (CSV)