Postal Annex Plus vs The UPS Store
Postal Annex Plus vs The UPS Store: Postal Annex Plus costs $48K–$129K to open; The UPS Store costs $216K–$609K. Postal Annex Plus has 85 units, The UPS Store has 915. SBA loan history: Postal Annex Plus = 116 loans (23.3% default); The UPS Store = 1,108 loans (7.1% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Postal Annex Plus vs The UPS Store: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Postal Annex Plus requires the lower minimum capital commitment ($48K vs $216K for The UPS Store), a 78% spread. Initial franchise fees come in at $50K for Postal Annex Plus 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 Postal Annex Plus's 85, roughly 11× the system size. The UPS Store has been operating 46 years (founded 1980) versus 41 for Postal Annex Plus (founded 1985), a 5-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
The UPS Store has the deeper SBA lending track record with 1,108 historical 7(a) approvals versus 116 for Postal Annex Plus.
Risk Signal
SBA default rates are 23.3% for Postal Annex Plus and 7.1% for The UPS Store, The UPS Store has the cleaner historical loss profile by 16.2 points. PeerSense FPI scores come in at 24 (Fair) for Postal Annex Plus 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 | 24/100 | 48/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 116 | 1,108 |
SBA Volume | – | – |
Default Rate | 23.3% | 7.1% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $48K – $129K | $216K – $609K |
Franchise Fee | $50K | $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 | Not Disclosed |
System Size & Operations
Total Units | 85 | 915 |
Franchised Units | 85 | 915 |
Company-Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1985 | 1980 |
Franchising Since | 1960 | 1960 |
Years Franchising | 66 yrs | 66 yrs |
Headquarters | SAN DIEGO, CA | San Diego, CA |
Category | Private Mail Centers | Private Mail Centers |
Website | ||
FDD Year | N/A | 2024 |
Which Is Better, Postal Annex Plus or The UPS Store?
Lower upfront capital required
Postal Annex Plus
Postal Annex Plus: $48K starting · The UPS Store: $216K starting
More SBA lender confidence
The UPS Store
Postal Annex Plus: 116 SBA loans · The UPS Store: 1,108 SBA loans
Lower historical default rate
The UPS Store
Postal Annex Plus: 23.3% · The UPS Store: 7.1%
Larger system & brand presence
The UPS Store
Postal Annex Plus: 85 units · The UPS Store: 915 units
More lender financing options
The UPS Store
Postal Annex Plus: 38 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 Postal Annex Plus 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
Postal Annex Plus vs The UPS Store: Franchise Funding Comparison
Comparing Postal Annex Plus 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 $48K to $609K.
Both brands have active SBA lending histories, Postal Annex Plus with 116 SBA loans and The UPS Store with 1,108. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
Postal Annex Plus vs The UPS Store, Frequently Asked Questions
Which is a better franchise investment, Postal Annex Plus or The UPS Store?
How much does a Postal Annex Plus franchise cost compared to The UPS Store?
Can I finance Postal Annex Plus or The UPS Store with an SBA loan?
Which has a lower SBA default rate, Postal Annex Plus or The UPS Store?
Financing a franchise? Get matched to an SBA lender.
Tell us which brand and your budget. We route you to lenders who have already funded deals in these systems.
Franchise / SBA 7(a): Response within 24–48 hours. No obligation.