Post Net vs Postal Annex Plus
Post Net vs Postal Annex Plus: Post Net costs $45K to $145K to open; Postal Annex Plus costs $48K to $129K. Post Net has 216 units, Postal Annex Plus has 85. SBA loan history: Post Net = 217 loans (17.5% default); Postal Annex Plus = 116 loans (23.3% 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.
Post Net vs Postal Annex Plus: 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
Post Net requires the lower minimum capital commitment ($45K vs $48K for Postal Annex Plus), a 5% spread. Initial franchise fees come in at $50K for Post Net versus $50K for Postal Annex Plus.
System Scale & Tenure
On scale, Post Net operates 216 units to Postal Annex Plus's 85, roughly 3× the system size. Postal Annex Plus has been operating 41 years (founded 1985) versus 41 for Post Net (founded 1985), a 0-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Post Net has the deeper SBA lending track record, with 217 7(a) approvals compared with 116 for Postal Annex Plus. Post Net's peak SBA year was 2004 (29 loans); Postal Annex Plus's peak was 1999 (26 loans). Post Net's more recent peak generally indicates fresher lender appetite. Post Net has the most SBA funded units in TX, with 43. Postal Annex Plus leads in CA, with 61. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Post Net deals is $91K vs $89K for Postal Annex Plus, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 17.5% for Post Net and 23.3% for Postal Annex Plus, Post Net has the cleaner SBA loss record by 5.8 points. PeerSense FPI scores come in at 28 (Fair) for Post Net and 24 (Fair) for Postal Annex Plus, giving Post Net the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 24/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 217 | 116 |
SBA Volume | – | – |
Default Rate | 17.5% | 23.3% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $45K to $145K | $48K to $129K |
Franchise Fee | $50K | $50K |
Royalty Rate | 5% | N/A |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 216 | 85 |
Franchised Units | 216 | 85 |
Company Owned | – | – |
Term Length | 15 yrs | N/A |
Brand Information
Year Founded | 1985 | 1985 |
Franchising Since | 1960 | 1960 |
Years Franchising | 66 yrs | 66 yrs |
Headquarters | AUSTIN, TX | SAN DIEGO, CA |
Category | Private Mail Centers | Private Mail Centers |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better, Post Net or Postal Annex Plus?
Lower upfront capital required
Tie
Post Net: $45K starting · Postal Annex Plus: $48K starting
More SBA lender confidence
Post Net
Post Net: 217 SBA loans · Postal Annex Plus: 116 SBA loans
Lower SBA default rate
Post Net
Post Net: 17.5% · Postal Annex Plus: 23.3%
Larger system & brand presence
Tie
Post Net: 216 units · Postal Annex Plus: 85 units
More lender financing options
Post Net
Post Net: 81 unique lenders · Postal Annex Plus: 38 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
Post Net vs Postal Annex Plus: Franchise Funding Comparison
Comparing Post Net and Postal Annex Plus is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $45K to $145K.
Post Net has 217 SBA loans on record and Postal Annex Plus has 116. 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.
Post Net vs Postal Annex Plus, Frequently Asked Questions
Which is a better franchise investment, Post Net or Postal Annex Plus?
How much does a Post Net franchise cost compared to Postal Annex Plus?
Can I finance Post Net or Postal Annex Plus with an SBA loan?
Which has a lower SBA default rate, Post Net or Postal Annex Plus?
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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; it does not lend, fund, or approve loans, and 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