Franchise brands › The UPS Store
Franchise brand1,608 approvals since FY2010
SBA loans to The UPS Store 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.
Since FY2010, 1,608 SBA loan approvals worth $513M carry the The UPS Store franchise code, 854 of them in FY2021 to FY2025.
In FY2025 there were 169, up 33% on FY2024. The average approval in the five-year window was $375K, and 3 of the approvals were 504 loans.
28 lenders made the FY2021 to FY2025 loans across 46 states; the most active were The Huntington National Bank (162), United Community Bank (47) and Bank of America, National Association (41).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.3% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not 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* | 131 | $57.5M | $439K | 2 | 739 |
| FY2025 | 169 | $74.7M | $442K | 0 | 976 |
| FY2024 | 127 | $53.5M | $421K | 0 | 796 |
| FY2023 | 220 | $77.2M | $351K | 1 | 1,562 |
| FY2022 | 165 | $56.4M | $342K | 1 | 1,009 |
| FY2021 | 173 | $58.1M | $336K | 1 | 1,067 |
| FY2020 | 62 | $15.9M | $256K | 2 | 392 |
| FY2019 | 77 | $19.4M | $252K | 0 | 392 |
| FY2018 | 74 | $16.7M | $226K | 0 | 416 |
| FY2017 | 76 | $16.5M | $218K | 0 | 400 |
| FY2016 | 87 | $19.1M | $219K | 0 | 502 |
SBA's franchise field lists the brand as "THE UPS STORE"; "The UPS Store". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | The UPS Store | All SBA loans |
|---|---|---|
| Approvals in these years | 796 | 725,496 |
| Cancelled or never disbursed | 95 | 91,827 |
| Disbursed loans | 701 | 633,669 |
| Paid in full | 503 | 471,304 |
| Charged off | 2 | 37,796 |
| Still outstanding (status exempt from disclosure) | 196 | 124,569 |
| Charged off, share of disbursed loans | 0.3% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.1% | 2.2% |
| Dollars charged off | $257K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 162 | $44.1M | 19.0% | |
| 2 | United Community BankGreenville, SC | 47 | $20.8M | 5.5% | |
| 3 | Bank of America, National AssociationCharlotte, NC | 41 | $24.7M | 4.8% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 41 | $13.8M | 4.8% | |
| 5 | Merchants Bank of IndianaCarmel, IN | 36 | $17.7M | 4.2% | |
| 6 | Citizens BankElizabethton, TN | 31 | $14.3M | 3.6% | |
| 7 | Manufacturers and Traders Trust CompanyBuffalo, NY | 25 | $4.6M | 2.9% | |
| 8 | TD Bank, National AssociationWilmington, DE | 18 | $9.5M | 2.1% | |
| 9 | Centerstone SBA Lending, Inc.Los Angeles, CA | 15 | $6.7M | 1.8% | |
| 10 | The Bancorp Bank National AssociationSioux Falls, SD | 14 | $4.4M | 1.6% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 12 | $3.6M | 1.4% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 11 | $5.8M | 1.3% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 10 | $2.1M | 1.2% | |
| 14 | Truist BankCharlotte, NC | 9 | $5.5M | 1.1% | |
| 15 | Old National BankEvansville, IN | 9 | $3.6M | 1.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 107 | 12.5% | |
| 2 | Florida | 90 | 10.5% | |
| 3 | Georgia | 63 | 7.4% | |
| 4 | Pennsylvania | 57 | 6.7% | |
| 5 | Illinois | 50 | 5.9% | |
| 6 | Texas | 46 | 5.4% | |
| 7 | North Carolina | 43 | 5.0% | |
| 8 | Ohio | 43 | 5.0% | |
| 9 | New Jersey | 30 | 3.5% | |
| 10 | New York | 25 | 2.9% | |
| 11 | Minnesota | 24 | 2.8% | |
| 12 | Maryland | 22 | 2.6% | |
| 13 | Indiana | 19 | 2.2% | |
| 14 | Michigan | 18 | 2.1% | |
| 15 | Washington | 17 | 2.0% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Business Support ServicesNAICS 5614 | 637 | 74.6% | |
| 2 | Couriers and Express Delivery ServicesNAICS 4921 | 78 | 9.1% | |
| 3 | Other Support ServicesNAICS 5619 | 37 | 4.3% | |
| 4 | Other Miscellaneous Store RetailersNAICS 4539 | 22 | 2.6% | |
| 5 | Postal ServiceNAICS 4911 | 21 | 2.5% |
Approval sizes
- $50,000 or less10.8%92
- $50,001 to $150,0005.9%50
- $150,001 to $350,00041.8%357
- $350,001 to $1 million38.9%332
- $1 million to $2 million2.5%21
- Over $2 million0.2%2
Age of the businesses
- Existing, more than 2 years old18.7%160
- New business, 2 years or less17.7%151
- Startup, loan funds will open the business32.7%279
- Change of ownership30.9%264
Questions and answers
How many SBA loans go to The UPS Store franchises?
1,608 approvals since FY2010, worth $513M; 854 in FY2021 to FY2025.
Which lenders make SBA loans for The UPS Store franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (162), United Community Bank (47), Bank of America, National Association (41), U.S. Bank, National Association (41), Merchants Bank of Indiana (36).
How large is a typical SBA loan for a The UPS Store franchise?
The average approval in FY2021 to FY2025 was $375K.
What share of The UPS Store SBA loans are charged off?
Of 701 disbursed loans approved in FY2010 to FY2021, 2 (0.3%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to The UPS Store franchises rising?
Approvals in the three latest complete fiscal years total 516, against 400 in the three before: rising (+29%).
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