Navis Pack Ship Commercial vs Pakmail Centers Of America
Navis Pack Ship Commercial vs Pakmail Centers Of America: Navis Pack Ship Commercial costs $91K to $1.5M to open; Pakmail Centers Of America costs $35K to $133K. Navis Pack Ship Commercial has 8 units, Pakmail Centers Of America has 99. SBA loan history: Navis Pack Ship Commercial = 9 loans (0.0% default); Pakmail Centers Of America = 122 loans (20.5% 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.
Navis Pack Ship Commercial vs Pakmail Centers Of America: 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
Pakmail Centers Of America requires the lower minimum capital commitment ($35K vs $91K for Navis Pack Ship Commercial), a 163% spread.
System Scale & Tenure
On scale, Pakmail Centers Of America operates 99 units to Navis Pack Ship Commercial's 8, roughly 12× the system size. Navis Pack Ship Commercial has been operating 41 years (founded 1985) versus 20 for Pakmail Centers Of America (founded 2006), a 21-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Pakmail Centers Of America has the deeper SBA lending track record, with 122 7(a) approvals compared with 9 for Navis Pack Ship Commercial. Navis Pack Ship Commercial's peak SBA year was 2018 (3 loans); Pakmail Centers Of America's peak was 2002 (20 loans). Navis Pack Ship Commercial's more recent peak generally indicates fresher lender appetite. Navis Pack Ship Commercial has the most SBA funded units in IN, with 2. Pakmail Centers Of America leads in FL, with 31. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Navis Pack Ship Commercial deals is $524K vs $81K for Pakmail Centers Of America, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Navis Pack Ship Commercial and 20.5% for Pakmail Centers Of America, Navis Pack Ship Commercial has the cleaner SBA loss record by 20.5 points. PeerSense FPI scores come in at 62 (Moderate) for Navis Pack Ship Commercial and 24 (Fair) for Pakmail Centers Of America, giving Navis Pack Ship Commercial the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 62/100 | 24/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Stable | Declining |
SBA Lending
SBA Loans | 9 | 122 |
SBA Volume | – | – |
Default Rate | 0.0% | 20.5% |
Peer Tier | emerging | major |
Investment & Costs
Total Investment | $91K to $1.5M | $35K to $133K |
Franchise Fee | N/A | $40K |
Royalty Rate | N/A | 5% |
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 | 8 | 99 |
Franchised Units | 8 | 99 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1985 | 2006 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | San Diego, CA | MIAMI, FL |
Category | Freight Transportation Arrangement | Freight Transportation Arrangement |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Navis Pack Ship Commercial or Pakmail Centers Of America?
Lower upfront capital required
Tie
Navis Pack Ship Commercial: $91K starting · Pakmail Centers Of America: $35K starting
More SBA lender confidence
Pakmail Centers Of America
Navis Pack Ship Commercial: 9 SBA loans · Pakmail Centers Of America: 122 SBA loans
Lower SBA default rate
Navis Pack Ship Commercial
Navis Pack Ship Commercial: 0.0% · Pakmail Centers Of America: 20.5%
Larger system & brand presence
Tie
Navis Pack Ship Commercial: 8 units · Pakmail Centers Of America: 99 units
More lender financing options
Pakmail Centers Of America
Navis Pack Ship Commercial: 7 unique lenders · Pakmail Centers Of America: 53 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
Navis Pack Ship Commercial vs Pakmail Centers Of America: Franchise Funding Comparison
Comparing Navis Pack Ship Commercial and Pakmail Centers Of America is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $35K to $1.5M.
Navis Pack Ship Commercial has 9 SBA loans on record and Pakmail Centers Of America has 122. 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.
Navis Pack Ship Commercial vs Pakmail Centers Of America, Frequently Asked Questions
Which is a better franchise investment, Navis Pack Ship Commercial or Pakmail Centers Of America?
How much does a Navis Pack Ship Commercial franchise cost compared to Pakmail Centers Of America?
Can I finance Navis Pack Ship Commercial or Pakmail Centers Of America with an SBA loan?
Which has a lower SBA default rate, Navis Pack Ship Commercial or Pakmail Centers Of America?
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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
Last reviewed LinkedIn profileAbout Edward Freeman