Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
NAICS 491Franchise Advantage

Postal Service

SBA loan performance data based on 391 resolved loans

Overall Default Rate
21.2%
All businesses
Avg Loan Size
$150K
Non-franchise
Resolved Loans
391
In our database
Franchise Advantage
+3.6%
Lower = better

Franchise vs Independent Comparison

MetricAll BusinessesFranchise Only
Default Rate21.2%17.6%
Avg Loan Size$150K$150K
Resolved Loans226165
Chargeoffs4829
Franchise Brands-23

Default Rate Comparison

All Businesses21.2%
Franchise Businesses17.6%

Franchise Brands in Postal Service

There are 23 franchise brands in this industry with SBA lending data. Franchise businesses in this sector have a 17.6% default rate compared to 21.2% for all businesses.

Browse 23 Franchise Brands

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About SBA Loans for Postal Service

The Postal Service sector (NAICS 491) has 391 resolved SBA loans in our database with an overall default rate of 21.2%. This is above the national average, suggesting higher risk for SBA lenders in this sector.

Franchise businesses in Postal Service default at 17.6% compared to 21.2% for all businesses, a 3.6 percentage point advantage. This suggests the franchise model provides meaningful operational support in this industry.

The average SBA loan size in this sector is $150K. Franchise operations in this industry have an average loan size of $150K, higher than the industry average.

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