SBA 7(a)/504 FOIA · FY1991–PRESENT · PUERTO RICO
POSTNET franchise in Puerto Rico: what the public record shows
Franchisees of POSTNET in Puerto Rico have taken 27 SBA loans since 1991 (average $91,215), and of the 22 loans whose story has ended, 13.6% were charged off — versus 20.0% for POSTNET nationally and 14.8% across all rateable franchise brands.
Loans in PR
27
Resolved
22
Local charge-off
13.6%
National charge-off
20.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PR. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
| System | Loans in PR | Local charge-off | Units in PR |
|---|---|---|---|
| Subway | 96 | 4.6% | 159 |
Same sector, same state, same public records — how POSTNET compares to the systems a buyer in Puerto Rico would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing POSTNET's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →