Which has more SBA loans, Mailboxes & Parcel Depot or The UPS Store?

Mailboxes & Parcel Depot has 40 SBA 7(a) historical approvals; The UPS Store has 1,108. The UPS Store has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Mailboxes & Parcel Depot vs The UPS Store SBA loans?

Mailboxes & Parcel Depot's SBA default rate is 10.0%, versus 7.1% for The UPS Store. The UPS Store has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

Side by Side Comparison

Mailboxes & Parcel Depot vs The UPS Store

Q: Which is a better franchise investment, Mailboxes & Parcel Depot or The UPS Store?

Mailboxes & Parcel Depot vs The UPS Store: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Mailboxes & Parcel Depot franchise cost compared to The UPS Store?

Mailboxes & Parcel Depot requires a total initial investment of $51K to $181K while The UPS Store requires $216K to $609K. Mailboxes & Parcel Depot has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Mailboxes & Parcel Depot vs The UPS Store: Mailboxes & Parcel Depot costs $51K to $181K to open; The UPS Store costs $216K to $609K. Mailboxes & Parcel Depot has 36 units, The UPS Store has 915. SBA loan history: Mailboxes & Parcel Depot = 40 loans (10.0% 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.

Mailboxes & Parcel Depot 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

Mailboxes & Parcel Depot requires the lower minimum capital commitment ($51K vs $216K for The UPS Store), a 77% spread. Initial franchise fees come in at $57K for Mailboxes & Parcel Depot 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 Mailboxes & Parcel Depot's 36, roughly 25× the system size.

SBA Lending Profile

The UPS Store has the deeper SBA lending track record, with 1,108 7(a) approvals compared with 40 for Mailboxes & Parcel Depot.

Risk Signal

SBA default rates are 10.0% for Mailboxes & Parcel Depot and 7.1% for The UPS Store, The UPS Store has the cleaner SBA loss record by 2.9 points. PeerSense FPI scores come in at 32 (Fair) for Mailboxes & Parcel Depot and 48 (Fair) for The UPS Store, giving The UPS Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Mailboxes & Parcel Depot

Private Mail Centers

The UPS Store

Private Mail Centers

48 10W

Health & Performance

FPI Score	32/100	48/100
Health Tier	Limited	Fair
Confidence	N/A	N/A
Lending Trend	Declining	Declining

SBA Lending

SBA Loans	40	1,108
SBA Volume	–	–
Default Rate	10.0%	7.1%
Peer Tier	established	major

Investment & Costs

Total Investment	$51K to $181K	$216K to $609K
Franchise Fee	$57K	$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

System Size & Operations

Total Units	36	915
Franchised Units	36	915
Company Owned	–	–
Term Length	N/A	N/A

Brand Information

Year Founded	N/A	1980
Franchising Since	N/A	1960
Years Franchising	N/A	66 yrs
Headquarters	BOLINGBROOK, IL	San Diego, CA
Category	Private Mail Centers	Private Mail Centers
Website	mailboxdepot.net/franchise-opportunity	theupsstore.com
FDD Year	N/A	2024

Which Is Better, Mailboxes & Parcel Depot or The UPS Store?

Lower upfront capital required

Tie

Mailboxes & Parcel Depot: $51K starting · The UPS Store: $216K starting

More SBA lender confidence

The UPS Store

Mailboxes & Parcel Depot: 40 SBA loans · The UPS Store: 1,108 SBA loans

Lower SBA default rate

The UPS Store

Mailboxes & Parcel Depot: 10.0% · The UPS Store: 7.1%

Larger system & brand presence

Tie

Mailboxes & Parcel Depot: 36 units · The UPS Store: 915 units

More lender financing options

The UPS Store

Mailboxes & Parcel Depot: 30 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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Mailboxes & Parcel Depot vs The UPS Store: Franchise Funding Comparison

Comparing Mailboxes & Parcel Depot 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 $51K to $609K.

Mailboxes & Parcel Depot has 40 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.

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Mailboxes & Parcel Depot vs The UPS Store, Frequently Asked Questions

Which is a better franchise investment, Mailboxes & Parcel Depot or The UPS Store?

Compare Mailboxes & Parcel Depot vs The UPS Store franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Mailboxes & Parcel Depot franchise cost compared to The UPS Store?

Mailboxes & Parcel Depot requires $51K to $181K in total initial investment with a $57K franchise fee. The UPS Store requires $216K to $609K with a $30K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Mailboxes & Parcel Depot or The UPS Store with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Mailboxes & Parcel Depot has 40 SBA loans on record; The UPS Store has 1,108. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Mailboxes & Parcel Depot or The UPS Store?

Mailboxes & Parcel Depot: 10.0% SBA default rate. The UPS Store: 7.1% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Mailboxes & Parcel Depot to other franchises Compare The UPS Store to other franchises Browse all Private Mail Centers franchises

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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; it does not lend, fund, or approve loans, and 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 October 2, 2026LinkedIn profile About Edward Freeman