SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW JERSEY
Mail Boxes Etc. Usa franchise in New Jersey: what the public record shows
Franchisees of Mail Boxes Etc. Usa in New Jersey have taken 45 SBA loans in the FY1991–present FOIA files (average $143,737). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 2 charge-offs among 38 resolved loans, where about 6.5 would be expected (0.3×). Mail Boxes Etc. Usa's national ratio is 0.7×.
Loans in NJ
45
Charged off (all years)
2 of 38
Loss ratio in NJ
0.3×
Loss ratio nationally
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NJ. 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
677
statewide, all operators
Per 100k residents
7.1
national 8.1
Versus the country
-12%
thinner
Every business in Mail Boxes Etc. Usa's industry operating in New Jersey — 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
$1,043
New Jersey, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-14%
cheaper to staff
What Mail Boxes Etc. Usa's industry actually pays workers in New Jersey, 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 NJ | Charged off (all years) | Loss ratio in NJ | Units in NJ |
|---|---|---|---|---|
| THE UPS STORE (TRADITIONAL) | 75 | 2 of 30 | — | 200 |
| Fastsigns | 19 | 1 of 12 | — | — |
| Ameriprise Financial Services | 17 | 0 of 15 | — | — |
| Sir Speedy Printing | 14 | 1 of 9 | — | 4 |
| United Check Cashing | 11 | 0 of 7 | — | — |
| ALPHAGRAPHICS | 10 | 1 of 8 | — | 8 |
| Fedex Ground | 10 | 0 of 8 | — | — |
| Management Recruiters, Sales Consultants | 10 | 0 of 9 | — | 30 |
| EverLine Coatings and Services | 7 | 0 of 2 | — | — |
| Minuteman Press | 7 | 0 of 2 | — | — |
| Signs By Tomorrow | 7 | 0 of 7 | — | — |
| JACKSON HEWITT TAX SERVICE | 6 | 0 of 2 | — | — |
Other systems in Mail Boxes Etc. Usa's sector whose franchisees borrowed in New Jersey. 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 Mail Boxes Etc. Usa’s numbers, including talking you out of a bad deal.