SBA Loans for The UPS Store Franchises
Who actually funds The UPS Store SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding The UPS Store SBA loans
Ranked by number of The UPS Store 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 190 | $55.1M | $290K |
| 2 | Bank of America, National Association | 66 | $40.9M | $620K |
| 3 | United Community Bank | 51 | $22.2M | $436K |
| 3 | U.S. Bank, National Association | 51 | $21.1M | $414K |
| 5 | Merchants Bank of Indiana | 40 | $20.1M | $502K |
| 6 | Citizens Bank | 35 | $16.0M | $457K |
| 7 | Manufacturers and Traders Trust Company | 31 | $5.6M | $180K |
| 8 | TD Bank, National Association | 26 | $13.9M | $535K |
| 9 | Live Oak Banking Company | 25 | $11.3M | $450K |
| 10 | Centerstone SBA Lending, Inc. | 19 | $9.0M | $474K |
| 11 | The Bancorp Bank National Association | 16 | $6.1M | $379K |
| 12 | Wells Fargo Bank National Association | 15 | $4.5M | $297K |
| 13 | First Bank of the Lake | 13 | $3.8M | $289K |
| 14 | Old National Bank | 10 | $4.1M | $412K |
| 14 | BayFirst National Bank | 10 | $2.1M | $208K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved The UPS Store loan in this period, ranked by loan count.
The UPS Store SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 111 | $59.5M | $536K |
| CA | 133 | $50.0M | $376K |
| NC | 63 | $30.2M | $479K |
| GA | 72 | $26.9M | $373K |
| TX | 53 | $22.3M | $422K |
| IL | 60 | $20.7M | $344K |
| PA | 63 | $19.6M | $312K |
| OH | 53 | $16.4M | $310K |
| NJ | 40 | $14.8M | $371K |
| SC | 18 | $9.2M | $510K |
| MN | 25 | $9.0M | $361K |
| MA | 21 | $8.7M | $413K |
| MI | 24 | $8.5M | $355K |
| OR | 16 | $8.2M | $512K |
| IN | 21 | $7.7M | $365K |
The UPS Store SBA loans by year
How The UPS Store SBA loans have performed
Outcomes for every funded The UPS Store 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for The UPS Store franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your The UPS Store deal to a lender currently funding this brand.
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