How much do SBA lenders typically lend to a private mail centers business?

The median SBA approval in NAICS 561431 is $250,000, with the middle 80% of loans between $40,000 and $603,100. Across all industries the median is $180,000.

Which lenders are most active in private mail centers?

By dollars approved: The Huntington National Bank, Bank of America, United Community Bank, Citizens Bank, Wells Fargo Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is private mail centers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 561431 · Administrative & Waste

SBA loans for private mail centers

1,429 SBA loans worth $443.8M have been approved in this industry since FY2010 - the #154 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$40K-$603K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.9%

vs 7.6% all industries

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

Most active in this industry

Lender	Loans	Approved
The Huntington National Bank	201	$51.9M
Bank of America	86	$48.1M
United Community Bank	72	$27.8M
Citizens Bank	35	$17.2M
Wells Fargo Bank	77	$16.2M
The Bancorp Bank	54	$15.8M
U.S. Bank	52	$15.1M
Merchants Bank of Indiana	29	$13.2M
Live Oak Banking Company	13	$9.9M
TD Bank	38	$8.4M

Geography

Where these loans were made

State	Loans	Share
California	210
Texas	138
Florida	125
North Carolina	85
Georgia	77
Illinois	59
Ohio	50
Pennsylvania	49

Approvals by fiscal year

’10

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
16%
$150K - $350K
42%
$350K - $1M
27%
$1M - $2M
3%
Over $2M
1%

Nearby

Other administrative & waste industries

See the sector

Landscaping Services15,300 · $80,000 Janitorial Services6,400 · $100,000 Other Services to Buildings and Dwellings3,351 · $125,000 Employment Placement Agencies2,188 · $150,000 Solid Waste Collection1,841 · $176,300 Exterminating and Pest Control Services1,777 · $135,000 Remediation Services1,752 · $156,800 Carpet and Upholstery Cleaning Services1,365 · $100,000

Common questions

How much do SBA lenders typically lend to a private mail centers business?: The median SBA approval in NAICS 561431 is $250,000, with the middle 80% of loans between $40,000 and $603,100. Across all industries the median is $180,000.
Which lenders are most active in private mail centers?: By dollars approved: The Huntington National Bank, Bank of America, United Community Bank, Citizens Bank, Wells Fargo Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is private mail centers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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