Pak Mail (Retail Center), by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S1267)

7 deals since 2020 · typical deal $149K

Deals since 2020

$149K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Pak Mail (Retail Center) has 7 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Pak Mail (Retail Center)

Most Pak Mail (Retail Center) deals financed between $59K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$149K

Monthly payment (10-yr): $2,203
Down payment (10%): $17K
Cash to close (all-in): $21K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$21K)

Experience

Recent financings

CGP,LLC in Hoover, AL — $51K (2025) · Sabre Finance
Program
7a General
Rate at approval
10.5% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$43K (85%)
Approval → funding
28 days
Approved
4/30/2025
First disbursed
5/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Couriers and Express Delivery Services
Funded by Sabre Finance · Lender record →
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Endpoint Properties LLC in Fort Wayne, IN — $1.2M (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$883K (75%)
Approval → funding
26 days
Approved
9/9/2023
First disbursed
10/5/2023
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Endpoint Holdings LLC in Fort Wayne, IN — $100K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
26 days
Approved
9/9/2023
First disbursed
10/5/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DQJ Mail Service Center 1, Inc. in El Dorado Hills, CA — $211K (2022) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
121 months
SBA guaranteed
$158K (75%)
Approval → funding
50 days
Approved
7/31/2022
First disbursed
9/19/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Private Mail Centers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Pak Mail in Folsom, CA — $149K (2022) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
2.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$127K (85%)
Approval → funding
28 days
Approved
8/3/2022
First disbursed
8/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Private Mail Centers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Koebbe Enterprises LLC in Cape Coral, FL — $350K (2021) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
103 months
SBA guaranteed
$263K (75%)
Approval → funding
40 days
Approved
10/21/2020
First disbursed
11/30/2020
Loan status
Failed — $329K charged off (8/25/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Packing and Crating
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,356
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
KTW Delivery, INC. in Grand Rapids, MI — $59K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.3% variable
Term
60 mo (5 yrs)
SBA guaranteed
$29K (50%)
Approved
12/17/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Business Service Centers (including Copy Shops)
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds Pak Mail (Retail Center) — and where

Every dot is a financed Pak Mail (Retail Center) — 7 mapped.

Financed Pak Mail (Retail Center) locations — list all 7 as text

KTW Delivery, INC. — Grand Rapids · $59K · FY2021 · Other Business Service Centers (including Copy Shops)
CGP,LLC — Hoover · $51K · FY2025 · Couriers and Express Delivery Services
Koebbe Enterprises LLC — Cape Coral · $350K · FY2021 · Packing and Crating
DQJ Mail Service Center 1, Inc. — El Dorado Hills · $211K · FY2022 · Private Mail Centers
Pak Mail — Folsom · $149K · FY2022 · Private Mail Centers
Endpoint Holdings LLC — Fort Wayne · $100K · FY2023 · Private Mail Centers
Endpoint Properties LLC — Fort Wayne · $1.2M · FY2023 · Private Mail Centers

Top lenders for this brand

Most active states

1.California (2 loans)
2.Indiana (2 loans)
3.Michigan (1 loans)
4.Alabama (1 loans)
5.Florida (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Pak Mail (Retail Center) 3 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Pak Mail (Retail Center) lending specialist.

Common questions

How much does a Pak Mail (Retail Center) cost to buy or open?

The typical deal for Pak Mail (Retail Center) is $149K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $16K of buyer cash on a typical deal.

How risky is Pak Mail (Retail Center)?

Pak Mail (Retail Center) has 7 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Pak Mail (Retail Center) with an SBA loan?

Yes — Pak Mail (Retail Center) has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Pak Mail (Retail Center) franchise

Most Pak Mail (Retail Center) buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Pak Mail (Retail Center) deal financed for $149K, which points to about $16K of buyer cash on a typical purchase. Pak Mail (Retail Center) is listed in the SBA Franchise Directory (identifier S1267), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Pak Mail (Retail Center) — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Pak Mail (Retail Center) — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Pak Mail (Retail Center) — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Pak Mail (Retail Center) is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

7 SBA 7(a) deals since 2020
$149K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1267)
Top lenders: The Huntington National Bank, U.S. Bank, National Association, Sabre Finance

Next steps

Check SBA fit Find SBA lenders $9 lender report

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/franchises/pak-mail-retail-center
API:: https://www.capbench.com/api/public/franchises/pak-mail-retail-center
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Pak Mail (Retail Center).