AMAILCENTER vs The UPS Store
AMAILCENTER vs The UPS Store: AMAILCENTER costs $60K to $150K to open; The UPS Store costs $216K to $609K. AMAILCENTER has 9 units, The UPS Store has 915. SBA loan history: AMAILCENTER = 12 loans (25.0% default); The UPS Store = 1,108 loans (7.1% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
AMAILCENTER vs The UPS Store: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
AMAILCENTER requires the lower minimum capital commitment ($60K vs $216K for The UPS Store), a 72% spread. Initial franchise fees come in at $60K for AMAILCENTER versus $30K for The UPS Store, The UPS Store has the lower entry fee.
System Scale & Tenure
On scale, The UPS Store operates 915 units to AMAILCENTER's 9, roughly 102× the system size.
SBA Lending Profile
The UPS Store has the deeper SBA lending track record, with 1,108 7(a) approvals compared with 12 for AMAILCENTER.
Risk Signal
SBA default rates are 25.0% for AMAILCENTER and 7.1% for The UPS Store, The UPS Store has the cleaner SBA loss record by 17.9 points. PeerSense FPI scores come in at 22 (Fair) for AMAILCENTER and 48 (Fair) for The UPS Store, giving The UPS Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 22/100 | 48/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 12 | 1,108 |
SBA Volume | – | – |
Default Rate | 25.0% | 7.1% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $60K to $150K | $216K to $609K |
Franchise Fee | $60K | $30K |
Royalty Rate | N/A | 5% |
Ad Fund | N/A | 2.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 9 | 915 |
Franchised Units | 9 | 915 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 1980 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | ANTIOCH, CA | San Diego, CA |
Category | Private Mail Centers | Private Mail Centers |
Website | ||
FDD Year | N/A | 2024 |
Which Is Better, AMAILCENTER or The UPS Store?
Lower upfront capital required
Tie
AMAILCENTER: $60K starting · The UPS Store: $216K starting
More SBA lender confidence
The UPS Store
AMAILCENTER: 12 SBA loans · The UPS Store: 1,108 SBA loans
Lower SBA default rate
The UPS Store
AMAILCENTER: 25.0% · The UPS Store: 7.1%
Larger system & brand presence
Tie
AMAILCENTER: 9 units · The UPS Store: 915 units
More lender financing options
The UPS Store
AMAILCENTER: 7 unique lenders · The UPS Store: 263 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
AMAILCENTER vs The UPS Store: Franchise Funding Comparison
Comparing AMAILCENTER and The UPS Store is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $60K to $609K.
AMAILCENTER has 12 SBA loans on record and The UPS Store has 1,108. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
AMAILCENTER vs The UPS Store, Frequently Asked Questions
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman