SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Pakmail Centers of America franchise in California: what the public record shows
Franchisees of Pakmail Centers of America in California have taken 12 SBA loans since 1991 (average $145,992), and of the 10 loans whose story has ended, 0.0% were charged off — versus 21.6% for Pakmail Centers of America nationally and 14.8% across all rateable franchise brands.
Loans in CA
12
Resolved
10
Local charge-off
0.0%
National charge-off
21.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. 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
3,947
statewide, all operators
Per 100k residents
10
national 8.1
Versus the country
+23%
denser
Every business in Pakmail Centers of America's industry operating in California — 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.
Avg weekly wage, this industry
$1,323
California, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
+9%
costlier to staff
What Pakmail Centers of America's industry actually pays workers in California, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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 CA | Local charge-off | Units in CA |
|---|---|---|---|
| Mail Boxes Etc. Usa | 164 | 10.2% | — |
| Postal Annex Plus | 65 | 18.9% | — |
| AMERIPRISE FINANCIAL SERVICES LLC | 63 | 2.0% | — |
| Farmers Insurance Agent Appointment Agreement | 29 | thin | — |
| Aim Mail Center | 22 | 21.1% | — |
| Liberty Tax Service | 20 | 12.5% | — |
| Allstate Insurance | 19 | 0.0% | — |
| State Farm Insurance | 14 | thin | — |
| Express Employment Professionals/Express Pers | 12 | thin | — |
| JACKSON HEWITT TAX SERVICE | 11 | 10.0% | — |
| Fedex Ground | 10 | thin | — |
| Postal Connections | 7 | thin | — |
Same sector, same state, same public records — how Pakmail Centers of America compares to the systems a buyer in California 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. I'm paid by you — and the job is pressure-testing Pakmail Centers of America's numbers, including talking you out of a bad deal.