Franchise financing
The UPS Store franchise financing
What it costs to finance a The UPS Store franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 1,573
- Total funded
- $497.5M
- Median loan
- $264K
- 7(a) charge-off
- 0.2%
What financing a The UPS Store franchise costs
The median SBA loan to a The UPS Store franchisee is $264K, and the middle half of The UPS Store's 1,573 loans run $150K to $392K (average $316K). Across all SBA-financed franchises the median loan is $350K. The UPS Store buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median The UPS Store loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 1,532 The UPS Store loans where the SBA recorded a business age, 49.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance The UPS Store
The UPS Store franchisees have financed with 1,573 SBA loans since FY2010, averaging $316K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (1,564 of the 1,573 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
The UPS Store's 7(a) charge-off rate is 0.2% across 1,564 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance The UPS Store
By SBA loan count
Where The UPS Store gets funded
Top states by loan count
- 1. California 199
- 2. Florida 135
- 3. Texas 114
- 4. North Carolina 80
- 5. Georgia 97
- 6. Illinois 75
- 7. Pennsylvania 84
- 8. Ohio 76
Financing a The UPS Store?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
The UPS Store SBA financing FAQ
How much does a The UPS Store franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a The UPS Store franchisee is $264K, and the middle half of The UPS Store's 1,573 loans run $150K to $392K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of The UPS Store's franchise disclosure document.
Can you use an SBA loan for The UPS Store?
Yes. Lenders have funded 1,573 SBA loans to The UPS Store franchisees, worth $497.5M in all, so The UPS Store is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for The UPS Store?
The data says yes: of The UPS Store's 1,532 SBA loans that record a business age, 49.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance The UPS Store?
By loan count, the most active SBA lenders for The UPS Store are The Huntington National Bank, Bank of America, National Association, United Community Bank, among others. A lender already active with your brand often moves faster.
What is The UPS Store's SBA charge-off rate?
Across The UPS Store's 1,564 SBA 7(a) loans, 0.2% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits The UPS Store?
Mostly 7(a): 1,564 of The UPS Store's 1,573 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median The UPS Store loan term is 10 years.