SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
Express Personnel Services franchise in New York: what the public record shows
Franchisees of Express Personnel Services in New York have taken 5 SBA loans in the FY1991–present FOIA files (average $400,400). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Express Personnel Services's national ratio is 0.3×.
Loans in NY
5
Charged off (all years)
0 of 1
Loss ratio in NY
—
Loss ratio nationally
0.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
1,851
statewide, all operators
Per 100k residents
9.3
national 8.1
Versus the country
+15%
denser
Every business in Express Personnel Services's industry operating in New York — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,222
New York, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
+1%
costlier to staff
What Express Personnel Services's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is 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 NY | Charged off (all years) | Loss ratio in NY | Units in NY |
|---|---|---|---|---|
| THE UPS STORE (TRADITIONAL) | 81 | 3 of 36 | 0.5×NOT CLEAR | 269 |
| Mail Boxes Etc. Usa | 53 | 2 of 42 | 0.3× | — |
| Ameriprise Financial Services | 23 | 0 of 19 | — | — |
| Allstate Insurance | 19 | 0 of 14 | — | — |
| Fedex Ground | 16 | 6 of 14 | — | — |
| Liberty Tax Service | 14 | 4 of 10 | — | — |
| Fastsigns | 12 | 1 of 6 | — | — |
| Minuteman Press | 12 | 2 of 9 | — | — |
| JACKSON HEWITT TAX SERVICE | 10 | 0 of 8 | — | — |
| POSTNET | 8 | 0 of 3 | — | 11 |
| ALPHAGRAPHICS | 7 | 3 of 6 | — | 2 |
| Patrice & Associates | 6 | 1 of 4 | — | — |
Other systems in Express Personnel Services's sector whose franchisees borrowed in New York. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Express Personnel Services’ numbers, including talking you out of a bad deal.