SBA 7(a)/504 FOIA · FY1991–PRESENT · MICHIGAN
Fedex Ground franchise in Michigan: what the public record shows
Franchisees of Fedex Ground in Michigan have taken 18 SBA loans since 1991 (average $146,511), and of the 16 loans whose story has ended, 0.0% were charged off — versus 7.7% for Fedex Ground nationally and 14.8% across all rateable franchise brands.
Loans in MI
18
Resolved
16
Local charge-off
0.0%
National charge-off
7.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MI. 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
754
statewide, all operators
Per 100k residents
7.4
national 8.1
Versus the country
-9%
thinner
Every business in Fedex Ground's industry operating in Michigan — 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 MI | Local charge-off | Units in MI |
|---|---|---|---|
| Mail Boxes Etc. Usa | 29 | 8.0% | — |
| AMERIPRISE FINANCIAL SERVICES LLC | 10 | thin | — |
| Express Employment Professionals/Express Pers | 8 | thin | — |
| Aim Mail Center | 6 | thin | — |
| Liberty Tax Service | 5 | thin | — |
| Pakmail Centers of America | 5 | thin | — |
Same sector, same state, same public records — how Fedex Ground compares to the systems a buyer in Michigan 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 Fedex Ground's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →