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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates
The UPS Store

The UPS Store

The total investment to open a The UPS Store franchise ranges from $216,417 to $608,975. The initial franchise fee is $29,950. Ongoing royalties are 5% plus a 2.5% advertising fee.

What is the The UPS Store franchise?

The UPS Store is the largest retail shipping, postal, printing, and business services franchise in the United States, with more than 5,500 independently owned locations. Stores serve small businesses, remote workers, e commerce sellers, and consumers seeking shipping, printing, mailbox, and notary services. Founded as Mail Boxes Etc. in 1980 and acquired by United Parcel Service in 2001, the brand has appeared on the Entrepreneur Franchise 500 list for 42 consecutive years, ranked number one in Postal and Business Centers for 36 consecutive years, and placed in the overall top 10 for 10 straight years. The brand operates in a service category supported by e commerce and remote work.

Gerald Aul, Pat Senn, and Robert Diais founded Mail Boxes Etc. in 1980 as a private alternative to the United States Post Office, offering shipping, mailbox rental, and business support services. The concept grew to more than 4,000 locations worldwide by the turn of the millennium. In March 2001, United Parcel Service acquired Mail Boxes Etc. for approximately $192 million. On April 7, 2003, UPS began converting approximately 3,000 domestic locations to The UPS Store brand. Franchisees received access to UPS direct shipping rates at an average reduction of around 20 percent. The year after the rebrand, the franchise sold more than 500 new locations, setting a company record.

The UPS Store operates approximately 5,776 locations across the United States. The 2024 Franchise Disclosure Document lists 2 company owned locations out of more than 5,200 franchised units. Approximately 52 percent of franchisees own more than one location. About 86 percent of the American population lives within 10 miles of a UPS Store location, and nearly 200 new locations were added in 2025. In November 2024, the international Mail Boxes Etc. network became Fortidia, a separate entity operating nearly 3,100 locations in 57 countries.

A traditional UPS Store requires a total initial investment of $216,417 to $608,975. The initial franchise fee is $29,950, with royalties of 5 percent of gross sales, a national advertising contribution of 2.5 percent, and a local marketing contribution of 1 percent. Store in Store locations start at $58,248, while the Rural Program begins at $166,659. Financial requirements include $60,000 to $75,000 in liquid assets and a minimum net worth of $150,000. Franchise agreements run for 10 years, with renewal options for successive 10 year periods. The VetFran program provides military veterans with a $15,000 franchise fee discount.

Top performing locations receive less than 40 percent of revenue from shipping, with printing, mailbox rentals, notary services, and business solutions providing additional revenue sources.

The UPS Store offers domestic and international shipping through UPS, USPS, and other carriers, along with its Pack and Ship Guarantee, which reimburses customers when items do not arrive intact. Private mailboxes provide a street address, package acceptance from all carriers, and mail forwarding. Printing services include color and black and white printing, business cards, posters, banners, brochures, binding, and laminating. More than 4,700 locations offer notary services. Other services include passport photos, document shredding, faxing, office supplies, mailing supplies, direct mail campaigns, graphic design, online printing portals, and business support bundles.

The UPS Store competes with FedEx Office, which operates approximately 2,000 corporate owned locations, through a franchise model that gives local owners community relationships, flexible service, and a larger geographic footprint. Compared with the United States Postal Service, it offers private street addresses, shipping through multiple carriers, and business services. Revenue comes from shipping, printing, mailboxes, notary work, and business services. The UPS brand provides recognition and consumer trust. Package volumes at UPS Store locations have grown to nearly five times their 2019 levels as e commerce has increased use of retail locations for shipping and returns.

In 2020, The UPS Store introduced its first major store redesign in 20 years after four years of testing with design firm Chute Gerdeman. The open concept layout includes a 24/7 access zone with mailboxes, smart lockers, and self service printers, separated from the staffed area by a security gate. The modular design has been tested in spaces as small as 535 square feet and is on track for deployment in 50 percent of locations by 2026. Self service kiosks operate in more than 1,500 locations. Store in Store operations inside pharmacies, hardware stores, and supermarkets extend the brand into other retail settings with lower investment requirements.

The four phase training program begins with online tutorials covering products, services, technology, and business practices. In store training at a Certified Training Center covers print equipment, software, and production procedures. A five day classroom session addresses operations, technical systems, and management, followed by two weeks of hands on training at a certified training center. New franchisees must complete Financial Management Training within six months of signing. Support includes a toll free Help Desk, field consultants, Commerce Ready Services, annual conventions, and national and local marketing support.

PeerSense data tracks 2,183 Small Business Administration loans totaling approximately $576 million across The UPS Store system's history. The average SBA loan is approximately $264,000, and the chargeoff rate is 3.8 percent. Since 2020, 929 SBA loans have been issued. Lending has involved hundreds of unique lending institutions, giving prospective franchisees access to banks and credit unions with experience financing UPS Store acquisitions and new locations. PeerSense provides financing data and introductions to potential financing sources, but it is not a lender.

The UPS Store combines a $216,417 starting investment, multiple revenue sources, disclosed financial data, and an established franchise support structure. Its 42 year Franchise 500 record, 36 year category leadership streak, and number one Forbes ranking for customer service provide additional context for buyers evaluating the brand.

Loan Activity Score

48/100

SBA Default Rate

7.1%

Active Lenders

263

According to its Franchise Disclosure Document or public business records, The UPS Store has 915 locations, all owned by franchisees. Public SBA loan records show 263 lenders made 1,108 loans to franchisees of The UPS Store. PeerSense calculates The UPS Store's score as 48 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document.

2024 FDD ON FILEPrivate Mail Centers

Franchising since 1980 · 915 locations

Investment

$216,417 to $608,975

Franchise Fee

$29,950

Total Units

915

915 franchised

Loan Activity Score
High
48
SBA Lending
17
Lender Quality
9
Transparency
9
Reach
10
Momentum
3

Proprietary PeerSense metric

Fair
Capital Sources
263SBA lenders

Distinct lenders in public SBA records for The UPS Store

1,108

Total SBA loans

$177K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

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SBA Lending Activity for The UPS Store

Loan Activity Score Breakdown

Major Brand (100+ loans)

High Confidence
48out of 100
Fair
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety17/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence9/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency9/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint10/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

7.1%

vs 10.8% peer avg

SBA Loans

1,108

Total Volume

$196.4M

Active Lenders

263

52 selective

States

52

vs. SBA Sector Average

+3.7%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (7.1%)
915 locations nationwide

Data Insights

Key performance metrics for The UPS Store based on SBA lending data

SBA Default Rate

7.1%

3.7% below peer avg

SBA Loan Volume

1,108 loans

Across 263 lenders

Lender Diversity

263 lenders

Avg 4.2 loans per lender

Investment Tier

Significant investment

$216,417 to $608,975 total

Payment Estimator

Loan Amount$173K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$2,240

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

The UPS Store, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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The UPS Store

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 LinkedIn profileAbout Edward Freeman