SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Express Employment Professionals/Express Pers franchise in Georgia: what the public record shows
Franchisees of Express Employment Professionals/Express Pers in Georgia have taken 5 SBA loans since 1991 (average $658,280)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 3.9% is the better guide.
Loans in GA
5
Resolved
1
Local charge-off
thin
National charge-off
3.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
971
statewide, all operators
Per 100k residents
8.7
national 8.1
Versus the country
+7%
denser
Every business in Express Employment Professionals/Express Pers's industry operating in Georgia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,075
Georgia, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-11%
cheaper to staff
What Express Employment Professionals/Express Pers's industry actually pays workers in Georgia, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| Mail Boxes Etc. Usa | 68 | 11.5% | — |
| Allstate Insurance | 17 | 14.3% | — |
| Pakmail Centers of America | 16 | 28.6% | — |
| AMERIPRISE FINANCIAL SERVICES LLC | 14 | 0.0% | — |
| JACKSON HEWITT TAX SERVICE | 8 | thin | — |
| Patrice & Associates | 7 | thin | — |
Same sector, same state, same public records — how Express Employment Professionals/Express Pers compares to the systems a buyer in Georgia would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing Express Employment Professionals/Express Pers's numbers, including talking you out of a bad deal.