Pack-N-Mail vs The UPS Store
Pack-N-Mail vs The UPS Store: Pack-N-Mail costs $28K to $80K to open; The UPS Store costs $216K to $609K. Pack-N-Mail has 5 units, The UPS Store has 915. SBA loan history: Pack-N-Mail = 7 loans (14.3% 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.
Pack-N-Mail 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
Pack-N-Mail requires the lower minimum capital commitment ($28K vs $216K for The UPS Store), a 87% spread.
System Scale & Tenure
On scale, The UPS Store operates 915 units to Pack-N-Mail's 5, roughly 183× the system size.
SBA Lending Profile
The UPS Store has the deeper SBA lending track record, with 1,108 7(a) approvals compared with 7 for Pack-N-Mail.
Risk Signal
SBA default rates are 14.3% for Pack-N-Mail and 7.1% for The UPS Store, The UPS Store has the cleaner SBA loss record by 7.2 points. PeerSense FPI scores come in at 34 (Fair) for Pack-N-Mail 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 | 34/100 | 48/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 7 | 1,108 |
SBA Volume | – | – |
Default Rate | 14.3% | 7.1% |
Peer Tier | emerging | major |
Investment & Costs
Total Investment | $28K to $80K | $216K to $609K |
Franchise Fee | N/A | $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 | 5 | 915 |
Franchised Units | 5 | 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 | MO | San Diego, CA |
Category | Private Mail Centers | Private Mail Centers |
Website | ||
FDD Year | N/A | 2024 |
Which Is Better, Pack-N-Mail or The UPS Store?
Lower upfront capital required
Tie
Pack-N-Mail: $28K starting · The UPS Store: $216K starting
More SBA lender confidence
The UPS Store
Pack-N-Mail: 7 SBA loans · The UPS Store: 1,108 SBA loans
Lower SBA default rate
The UPS Store
Pack-N-Mail: 14.3% · The UPS Store: 7.1%
Larger system & brand presence
Tie
Pack-N-Mail: 5 units · The UPS Store: 915 units
More lender financing options
The UPS Store
Pack-N-Mail: 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.
Need Funding for Pack-N-Mail or The UPS Store?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Pack-N-Mail vs The UPS Store: Franchise Funding Comparison
Comparing Pack-N-Mail 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 $28K to $609K.
Pack-N-Mail has 7 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.
Pack-N-Mail vs The UPS Store, Frequently Asked Questions
Which is a better franchise investment, Pack-N-Mail or The UPS Store?
How much does a Pack-N-Mail franchise cost compared to The UPS Store?
Can I finance Pack-N-Mail or The UPS Store with an SBA loan?
Which has a lower SBA default rate, Pack-N-Mail or The UPS Store?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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