SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Pakmail Centers of America franchise in Virginia: what the public record shows
Franchisees of Pakmail Centers of America in Virginia have taken 7 SBA loans in the FY1991–present FOIA files (average $68,571). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Pakmail Centers of America's national ratio is 1.2× (not clearly different from 1.0×).
Loans in VA
7
Charged off (all years)
0 of 6
Loss ratio in VA
—
Loss ratio nationally (not clear)
1.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. 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
557
statewide, all operators
Per 100k residents
6.3
national 8.1
Versus the country
-22%
thinner
Every business in Pakmail Centers of America's industry operating in Virginia — 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
$1,013
Virginia, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-16%
cheaper to staff
What Pakmail Centers of America's industry actually pays workers in Virginia, 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 VA | Charged off (all years) | Loss ratio in VA | Units in VA |
|---|---|---|---|---|
| THE UPS STORE (TRADITIONAL) | 56 | 0 of 28 | — | 140 |
| Mail Boxes Etc. Usa | 21 | 0 of 18 | — | — |
| Fastsigns | 17 | 2 of 13 | — | — |
| Liberty Tax Service | 16 | 0 of 12 | — | — |
| Ameriprise Financial Services | 9 | 0 of 5 | — | — |
| JACKSON HEWITT TAX SERVICE | 8 | 0 of 4 | — | — |
| POSTNET | 8 | 2 of 4 | — | 7 |
| Minuteman Press | 7 | 1 of 4 | — | — |
| Signs By Tomorrow | 7 | 1 of 7 | — | — |
| ALPHAGRAPHICS | 6 | 1 of 5 | — | 5 |
| Kwik-Kopy | 6 | 1 of 5 | — | — |
| State Farm Insurance | 6 | 0 of 3 | — | — |
Other systems in Pakmail Centers of America's sector whose franchisees borrowed in Virginia. 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 Pakmail Centers of America’s numbers, including talking you out of a bad deal.