Post Net vs Postal Annex Plus
Post Net vs Postal Annex Plus: Post Net costs $45K–$145K to open; Postal Annex Plus costs $48K–$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, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Post Net vs Postal Annex Plus: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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 historical 7(a) approvals versus 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. Geographically, Post Net concentrates in TX (43 SBA-funded units) while Postal Annex Plus leads in CA (61). Pick the brand whose strongest state matches yours for warmest 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 historical loss profile 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 – $145K | $48K – $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 | Not 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
Post Net
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 historical default rate
Post Net
Post Net: 17.5% · Postal Annex Plus: 23.3%
Larger system & brand presence
Post Net
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.
Both brands have active SBA lending histories, Post Net with 217 SBA loans and Postal Annex Plus with 116. This means proven lender acceptance and established underwriting paths for franchise buyers.
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
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