How much do lenders finance for a Pak Mail Centers franchise?

The median SBA loan approved for a Pak Mail Centers franchise is $149,500, with the middle 80% of loans between $22,000 and $435,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Pak Mail Centers franchises?

By dollars approved, the most active SBA lenders for Pak Mail Centers have been Redwood CU, Stearns Bank, German American Bank, Wells Fargo Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Pak Mail Centers SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Pak Mail Centers franchise

SBA lenders have approved 13 loans against the Pak Mail Centers brand since FY2010, totalling $2.4M. The median approval was $149,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1325

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$149,500

Typical range

$22K-$435K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Pak Mail Centers

Lender	Loans	Approved
Redwood CU	2	$870K
Stearns Bank	2	$690K
German American Bank	2	$313K
Wells Fargo Bank	2	$250K
WesBanco Bank, Inc.	2	$140K
U.S. Bank	1	$100K
The Huntington National Bank	2	$32K

Geography

Where Pak Mail Centers units were financed

State	Loans	Share
Indiana	4
California	3
Ohio	2
Michigan	2
Texas	2

Approvals by fiscal year

’14

’15

’16

’17

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
23%
$50K - $150K
31%
$150K - $350K
23%
$350K - $1M
23%

Financing a Pak Mail Centers: common questions

How much do lenders finance for a Pak Mail Centers franchise?: The median SBA loan approved for a Pak Mail Centers franchise is $149,500, with the middle 80% of loans between $22,000 and $435,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Pak Mail Centers franchises?: By dollars approved, the most active SBA lenders for Pak Mail Centers have been Redwood CU, Stearns Bank, German American Bank, Wells Fargo Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Pak Mail Centers SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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