Papyrus (Retail Paper)
The total investment to open a Papyrus (Retail Paper) franchise ranges from $79,400 to $236,800. The initial franchise fee is $295,000.
What is the Papyrus (Retail Paper) franchise?
Papyrus (Retail Paper) is a retail business selling paper goods, greeting cards and stationery to shoppers. The estimated total initial investment is $79,400 to $236,800, and the initial franchise fee is $295,000.
The brand was founded in 1950 and is headquartered in San Diego, CA.
Loan Activity Score
57/100
SBA Default Rate
0.0%
Active Lenders
11
According to its Franchise Disclosure Document or public business records, Papyrus (Retail Paper) has 18 locations, all owned by franchisees. Public SBA loan records show 11 lenders made 19 loans to franchisees of Papyrus (Retail Paper). PeerSense calculates Papyrus (Retail Paper)'s score as 57 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1950 · 18 locations
$79,400 to $236,800
$295,000
18
18 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Papyrus (Retail Paper)
19
Total SBA loans
$147K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Papyrus (Retail Paper)
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 13.6% peer avg
SBA Loans
19
Total Volume
$2.8M
Active Lenders
11
2 selective
States
8
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Papyrus (Retail Paper) based on SBA lending data
SBA Default Rate
0.0%
13.6% below peer avg
SBA Loan Volume
19 loans
Across 11 lenders
Lender Diversity
11 lenders
Avg 1.7 loans per lender
Investment Tier
Mid range investment
$79,400 to $236,800 total
Papyrus (Retail Paper): Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1997
6 approvals. The best year on record for Papyrus (Retail Paper).
Top SBA State
California
10 SBA financed Papyrus (Retail Paper) locations, the densest operator footprint.
Average Loan Size
$147K
Median $139K. Use as a sizing anchor when modeling your own Papyrus (Retail Paper) unit.
Lender Concentration
52.6%
Concentrated
Share of Papyrus (Retail Paper) approvals captured by the top 3 SBA lenders.
Papyrus (Retail Paper)'s SBA lending pipeline peaked in 1997 (6 approvals). Operator density is highest in California with 10 SBA financed locations. Average funded ticket sits at $147K, with the median at $139K. Lender mix is concentrated: the top three SBA lenders account for 52.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$822
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Papyrus (Retail Paper), unit breakdown
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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