SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Express Personnel Services franchise in Texas: what the public record shows
Franchisees of Express Personnel Services in Texas have taken 12 SBA loans since 1991 (average $143,566), and of the 11 loans whose story has ended, 0.0% were charged off — versus 8.6% for Express Personnel Services nationally and 14.8% across all rateable franchise brands.
Loans in TX
12
Resolved
11
Local charge-off
0.0%
National charge-off
8.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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.
Businesses in this industry
2,460
statewide, all operators
Per 100k residents
7.9
national 8.1
Versus the country
-2%
thinner
Every business in Express Personnel Services's industry operating in Texas — 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.
| System | Loans in TX | Local charge-off | Units in TX |
|---|---|---|---|
| Mail Boxes Etc. Usa | 135 | 20.2% | — |
| AMERIPRISE FINANCIAL SERVICES LLC | 40 | 0.0% | — |
| Liberty Tax Service | 32 | 7.4% | — |
| Fedex Ground | 21 | 15.8% | — |
| Kwik-Kopy | 21 | 27.8% | — |
| JACKSON HEWITT TAX SERVICE | 16 | 16.7% | — |
| Pakmail Centers of America | 13 | 30.8% | — |
| Postal Annex Plus | 12 | 36.4% | — |
| Schooley Mitchell | 10 | thin | — |
| SIGNAL 88 SECURITY | 9 | thin | — |
| Patrice & Associates | 8 | thin | — |
| Express Employment Professionals/Express Pers | 7 | thin | — |
Same sector, same state, same public records — how Express Personnel Services compares to the systems a buyer in Texas 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. An independent CPA is paid by you — and the job is pressure-testing Express Personnel Services's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →