SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Postal Connections franchise in California: what the public record shows
Franchisees of Postal Connections in California have taken 7 SBA loans since 1991 (average $87,200)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 20.5% is the better guide.
Loans in CA
7
Resolved
7
Local charge-off
thin
National charge-off
20.5%
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 of 30 loans.
Businesses in this industry
3,947
statewide, all operators
Per 100k residents
10
national 8.1
Versus the country
+23%
denser
Every business in Postal Connections'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 Postal Connections'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 | — |
| Pakmail Centers of America | 12 | 0.0% | — |
| JACKSON HEWITT TAX SERVICE | 11 | 10.0% | — |
| Fedex Ground | 10 | thin | — |
Same sector, same state, same public records — how Postal Connections 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 Postal Connections's numbers, including talking you out of a bad deal.