SBA lending record

EMM KAY

522 Constitution Blvd, Salinas, CA 93905 · Private Mail Centers. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$637K

Total SBA financing

Loans on record

FY2022–26

On record

Jobs supported

Franchise brand

The UPS Store

See The UPS Store's SBA financing data — typical deal, failure rate, and how its loans perform →

● business — business location is the ZIP-area centroid from the public record

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All 3 loans

$289,000 — FY2026

Loan 1 of 3

Gross approval: $289,000
SBA guaranteed: $216,750 (75%)
Status: Committed
Rate at approval: 8.25% v
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 3/2/2026
Collateral: Required
Jobs supported: 5
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Private Mail Centers
NAICS code: 561431
Lender: Bank of Hope
Address: 1522 Constitution Blvd
City: Salinas, 93905
County: Monterey
SBA district office: FRESNO DISTRICT OFFICE
Congressional district: 20

$20,000 — FY2022

Loan 2 of 3

Gross approval: $20,000
SBA guaranteed: $10,000 (50%)
Status: Current
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/25/2022
First disbursement: 3/7/2022
Days to fund: 10 days
Collateral: Required
Jobs supported: 4
Business type: Corporation
Business age: New Business or 2 years or less
Industry: Private Mail Centers
NAICS code: 561431
Franchise: The UPS Store
Franchise code: S1788
Lender: The Huntington National Bank
Address: 522 Constitution Blvd
City: Salinas, 93905
County: Monterey
SBA district office: FRESNO DISTRICT OFFICE
Congressional district: 20

$327,500 — FY2022

Loan 3 of 3

Gross approval: $327,500
SBA guaranteed: $245,625 (75%)
Status: Current
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/25/2022
First disbursement: 2/25/2022
Days to fund: 0 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 4
Business type: Corporation
Business age: New Business or 2 years or less
Industry: Private Mail Centers
NAICS code: 561431
Franchise: The UPS Store
Franchise code: S1788
Lender: The Huntington National Bank
Address: 522 Constitution Blvd
City: Salinas, 93905
County: Monterey
SBA district office: FRESNO DISTRICT OFFICE
Congressional district: 20

The lenders

The Huntington National Bank

2 loans to this businessFull SBA lending record + branches on the lender page →

Bank of Hope

1 loan to this businessFull SBA lending record + branches on the lender page →

Find SBA lenders for businesses like this

The banks most active funding private mail centers — by location, industry, and brand.

SBA lenders in California Lenders for private mail centers Private Mail Centers lenders in California The UPS Store lenders The UPS Store lenders in California

Other The UPS Store locations

Other The UPS Store businesses in the public SBA record — closest first, by location and deal size.

AAY Kay Inc

Salinas, CA· ~4 mi

The UPS Store

$676K
SBA financing: ≈ $1.3M–$2.2M
Est. revenue (rough)

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ScooBee LLC

Scotts Valley, CA· ~34 mi

The UPS Store

$525K
SBA financing: ≈ $1.0M–$1.7M
Est. revenue (rough)

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1291 Saratoga LLC

Saratoga, CA· ~46 mi

The UPS Store

$550K
SBA financing: ≈ $1.1M–$1.8M
Est. revenue (rough)

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Kabnav Inc

San Jose, CA· ~44 mi

The UPS Store

$400K
SBA financing: ≈ $785K–$1.3M
Est. revenue (rough)

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Virk Investments LLC

San Jose, CA· ~54 mi

The UPS Store

$1.1M
SBA financing: ≈ $2.1M–$3.5M
Est. revenue (rough)

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The UPS Store #1805

Fremont, CA· ~62 mi

The UPS Store

$960K
SBA financing: ≈ $1.9M–$3.1M
Est. revenue (rough)

View record

Similar businesses

Comparable private mail centers in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

A&A Postal Clovis LLC

Clovis, CA· ~107 mi

PostalAnnex+ (Retail Center)

$564K
SBA financing: ≈ $1.1M–$1.8M
Est. revenue (rough)

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SHIVNANAK INCORPORATED DBA THE UPS STORE 3769

Pleasant Hill, CA· ~91 mi

The UPS Store

$575K
SBA financing: ≈ $1.1M–$1.9M
Est. revenue (rough)

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Urban Partner, Inc.

South San Francisco, CA· ~80 mi

The UPS Store

$450K
SBA financing: ≈ $882K–$1.5M
Est. revenue (rough)

View record

Faris Holdings Corporation

San Jose, CA· ~47 mi

The UPS Store

$287K
SBA financing: ≈ $562K–$937K
Est. revenue (rough)

View record

Jbk Central, Inc., Dba the Ups Store 4581

San Luis Obispo, CA· ~113 mi

The UPS Store

$690K
SBA financing: ≈ $1.4M–$2.3M
Est. revenue (rough)

View record

THE UPS STORE 0272

Martinez, CA· ~95 mi

The UPS Store

$455K
SBA financing: ≈ $892K–$1.5M
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for EMM KAY in Salinas, CA (Private Mail Centers). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

3 SBA 7(a) loans totaling $637K
On record FY2022–26
13 jobs supported
Industry: Private Mail Centers
Location: Salinas, CA
Lenders: The Huntington National Bank, Bank of Hope

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Private Mail Centers businesses in CA for ~$212k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/emm-kay-ca
API:: https://www.capbench.com/api/public/businesses/emm-kay-ca
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with EMM KAY.