Franchise brands › PostNet
Franchise brand51 approvals since FY2013
SBA loans to PostNet franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 51 loan approvals since FY2013 under the PostNet franchise brand, worth $8.4M; 19 of them came in FY2021 to FY2025.
In FY2025 there were 9. The average approval in the five-year window was $187K.
11 lenders made the FY2021 to FY2025 loans across 11 states; the most active were The Huntington National Bank (8), Stock Yards Bank & Trust Company (2) and Hanover Community Bank (1).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 4 | $799K | $200K | 0 | 12 |
| FY2025 | 9 | $1.9M | $207K | 0 | 19 |
| FY2024 | 0 | — | — | 0 | 0 |
| FY2023 | 2 | — | — | 0 | 9 |
| FY2022 | 7 | $956K | $137K | 0 | 36 |
| FY2021 | 1 | — | — | 0 | 4 |
| FY2020 | 2 | — | — | 0 | 5 |
| FY2019 | 2 | — | — | 0 | 10 |
| FY2018 | 3 | $478K | $159K | 0 | 11 |
| FY2017 | 3 | $604K | $201K | 1 | 6 |
| FY2016 | 5 | $642K | $128K | 0 | 19 |
SBA's franchise field lists the brand as "POSTNET"; "PostNet". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | PostNet | All SBA loans |
|---|---|---|
| Approvals in these years | 29 | 725,496 |
| Cancelled or never disbursed | 2 | 91,827 |
| Disbursed loans | 27 | 633,669 |
| Paid in full | 19 | 471,304 |
| Charged off | 5 | 37,796 |
| Still outstanding (status exempt from disclosure) | 3 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 8 | $1.1M | 42.1% | |
| 2 | Stock Yards Bank & Trust CompanyLouisville, KY | 2 | — | 10.5% | |
| 3 | Hanover Community BankMineola, NY | 1 | — | 5.3% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 5.3% | |
| 5 | iTHINK Financial Credit UnionDelray Beach, FL | 1 | — | 5.3% | |
| 6 | Bank Five NineOconomowoc, WI | 1 | — | 5.3% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 5.3% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 1 | — | 5.3% | |
| 9 | Partner Community CapitalCharles Town, WV | 1 | — | 5.3% | |
| 10 | Pathward National AssociationSioux Falls, SD | 1 | — | 5.3% | |
| 11 | Emprise BankWichita, KS | 1 | — | 5.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | New York | 4 | 21.1% | |
| 2 | Tennessee | 4 | 21.1% | |
| 3 | Indiana | 2 | 10.5% | |
| 4 | Texas | 2 | 10.5% | |
| 5 | Virginia | 1 | 5.3% | |
| 6 | Florida | 1 | 5.3% | |
| 7 | Arizona | 1 | 5.3% | |
| 8 | Utah | 1 | 5.3% | |
| 9 | North Carolina | 1 | 5.3% | |
| 10 | South Carolina | 1 | 5.3% | |
| 11 | Kansas | 1 | 5.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Business Support ServicesNAICS 5614 | 12 | 63.2% | |
| 2 | Printing and Related Support ActivitiesNAICS 3231 | 2 | 10.5% | |
| 3 | Couriers and Express Delivery ServicesNAICS 4921 | 1 | 5.3% | |
| 4 | Postal ServiceNAICS 4911 | 1 | 5.3% | |
| 5 | Other Support ServicesNAICS 5619 | 1 | 5.3% |
Approval sizes
- $50,000 or less21.1%4
- $50,001 to $150,00010.5%2
- $150,001 to $350,00068.4%13
Age of the businesses
- Existing, more than 2 years old5.3%1
- New business, 2 years or less5.3%1
- Startup, loan funds will open the business78.9%15
- Change of ownership10.5%2
Questions and answers
How many SBA loans go to PostNet franchises?
51 approvals since FY2013, worth $8.4M; 19 in FY2021 to FY2025.
Which lenders make SBA loans for PostNet franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (8), Stock Yards Bank & Trust Company (2), Hanover Community Bank (1), Wells Fargo Bank National Association (1), iTHINK Financial Credit Union (1).
How large is a typical SBA loan for a PostNet franchise?
The average approval in FY2021 to FY2025 was $187K.
What share of PostNet SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to PostNet franchises rising?
Approvals in the three latest complete fiscal years total 11, against 10 in the three before: rising (+10%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error