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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
69% of the SBA loans approved in private mail centers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K11%
- $50K - $150K16%
- $150K - $350K42%
- $350K - $1M27%
- $1M - $2M3%
- Over $2M1%
Franchise brands in Private Mail Centers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| The UPS Store | 921 | $318.0M | |
| PostalAnnex+ | 31 | $7.4M | |
| PostNet | 19 | $3.4M | |
| Mail Boxes Etc. USA | 13 | $1.7M | |
| Postal Annex+ | 9 | $1.2M | |
| Pak Mail | 7 | $2.2M | |
| Pak Mail Centers | 4 | $1.0M | |
| Safe Ship | 2 | $228K | |
| Fedex Ground | 2 | $680K | |
| Goin' Postal | 2 | $290K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other administrative & waste industries
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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