SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
POSTNET franchise in Arizona: what the public record shows
Franchisees of POSTNET in Arizona have taken 19 SBA loans in the FY1991–present FOIA files (average $114,857). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. POSTNET's national ratio is 1.1× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 13 franchised outlets in Arizona (fiscal 2025) — about 0.17 per 100k residents.
Loans in AZ
19
Charged off (all years)
2 of 18
Loss ratio in AZ
—
Loss ratio nationally (not clear)
1.1×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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
693
statewide, all operators
Per 100k residents
9.1
national 8.1
Versus the country
+12%
denser
Every business in POSTNET's industry operating in Arizona — 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
$908
Arizona, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-25%
cheaper to staff
What POSTNET's industry actually pays workers in Arizona, 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 15 | 0 |
| 2024 | 15 | 0 |
| 2025 | 13 | 0 |
| System | Loans in AZ | Charged off (all years) | Loss ratio in AZ | Units in AZ |
|---|---|---|---|---|
| THE UPS STORE (TRADITIONAL) | 64 | 8 of 52 | 0.6×NOT CLEAR | 164 |
| Mail Boxes Etc. Usa | 53 | 5 of 47 | 0.6×NOT CLEAR | — |
| ALPHAGRAPHICS | 15 | 5 of 14 | — | 14 |
| Allstate Insurance | 14 | 0 of 13 | — | — |
| Minuteman Press | 12 | 4 of 8 | — | — |
| Ameriprise Financial Services | 11 | 0 of 10 | — | — |
| Signarama | 10 | 1 of 8 | — | — |
| Fastsigns | 7 | 0 of 5 | — | — |
| EverLine Coatings and Services | 6 | — | — | — |
| Postal Connections | 6 | 1 of 6 | — | — |
| Speedy Sign-O-Rama | 6 | 3 of 6 | — | — |
| Postal Annex Plus | 5 | 1 of 4 | — | — |
Other systems in POSTNET's sector whose franchisees borrowed in Arizona. 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 POSTNET’s numbers, including talking you out of a bad deal.