SBA 7(a)/504 FOIA · FY1991–PRESENT · PUERTO RICO
Mail Boxes Etc. Usa franchise in Puerto Rico: what the public record shows
Franchisees of Mail Boxes Etc. Usa in Puerto Rico have taken 5 SBA loans in the FY1991–present FOIA files (average $123,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Mail Boxes Etc. Usa's national ratio is 0.7×.
Loans in PR
5
Charged off (all years)
0 of 3
Loss ratio in PR
—
Loss ratio nationally
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PR. 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.
| System | Loans in PR | Charged off (all years) | Loss ratio in PR | Units in PR |
|---|---|---|---|---|
| POSTNET | 27 | 3 of 22 | — | — |
| THE UPS STORE (TRADITIONAL) | 5 | 1 of 5 | — | — |
Other systems in Mail Boxes Etc. Usa's sector whose franchisees borrowed in Puerto Rico. 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.