AMAILCENTER vs Mailboxes & Parcel Depot
AMAILCENTER vs Mailboxes & Parcel Depot: AMAILCENTER costs $60K to $150K to open; Mailboxes & Parcel Depot costs $51K to $181K. AMAILCENTER has 9 units, Mailboxes & Parcel Depot has 36. SBA loan history: AMAILCENTER = 12 loans (25.0% default); Mailboxes & Parcel Depot = 40 loans (10.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
AMAILCENTER vs Mailboxes & Parcel Depot: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Mailboxes & Parcel Depot requires the lower minimum capital commitment ($51K vs $60K for AMAILCENTER), a 18% spread. Initial franchise fees come in at $60K for AMAILCENTER versus $57K for Mailboxes & Parcel Depot, Mailboxes & Parcel Depot has the lower entry fee.
System Scale & Tenure
On scale, Mailboxes & Parcel Depot operates 36 units to AMAILCENTER's 9, roughly 4× the system size.
SBA Lending Profile
Mailboxes & Parcel Depot has the deeper SBA lending track record, with 40 7(a) approvals compared with 12 for AMAILCENTER. AMAILCENTER's peak SBA year was 1997 (3 loans); Mailboxes & Parcel Depot's peak was 2002 (5 loans). Mailboxes & Parcel Depot's more recent peak generally indicates fresher lender appetite. AMAILCENTER has the most SBA funded units in CA, with 8. Mailboxes & Parcel Depot leads in OH, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded AMAILCENTER deals is $87K vs $115K for Mailboxes & Parcel Depot, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 25.0% for AMAILCENTER and 10.0% for Mailboxes & Parcel Depot, Mailboxes & Parcel Depot has the cleaner SBA loss record by 15.0 points. PeerSense FPI scores come in at 22 (Fair) for AMAILCENTER and 32 (Fair) for Mailboxes & Parcel Depot, giving Mailboxes & Parcel Depot the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 22/100 | 32/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 40 |
SBA Volume | – | – |
Default Rate | 25.0% | 10.0% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $60K to $150K | $51K to $181K |
Franchise Fee | $60K | $57K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 9 | 36 |
Franchised Units | 9 | 36 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ANTIOCH, CA | BOLINGBROOK, IL |
Category | Private Mail Centers | Private Mail Centers |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, AMAILCENTER or Mailboxes & Parcel Depot?
Lower upfront capital required
Tie
AMAILCENTER: $60K starting · Mailboxes & Parcel Depot: $51K starting
More SBA lender confidence
Mailboxes & Parcel Depot
AMAILCENTER: 12 SBA loans · Mailboxes & Parcel Depot: 40 SBA loans
Lower SBA default rate
Mailboxes & Parcel Depot
AMAILCENTER: 25.0% · Mailboxes & Parcel Depot: 10.0%
Larger system & brand presence
Tie
AMAILCENTER: 9 units · Mailboxes & Parcel Depot: 36 units
More lender financing options
Mailboxes & Parcel Depot
AMAILCENTER: 7 unique lenders · Mailboxes & Parcel Depot: 30 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
AMAILCENTER vs Mailboxes & Parcel Depot: Franchise Funding Comparison
Comparing AMAILCENTER and Mailboxes & Parcel Depot is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $51K to $181K.
AMAILCENTER has 12 SBA loans on record and Mailboxes & Parcel Depot has 40. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
AMAILCENTER vs Mailboxes & Parcel Depot, Frequently Asked Questions
Which is a better franchise investment, AMAILCENTER or Mailboxes & Parcel Depot?
How much does a AMAILCENTER franchise cost compared to Mailboxes & Parcel Depot?
Can I finance AMAILCENTER or Mailboxes & Parcel Depot with an SBA loan?
Which has a lower SBA default rate, AMAILCENTER or Mailboxes & Parcel Depot?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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