The UPS Store Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
The UPS Store franchisees defaulted on 0.7% of SBA 7(a) loans between FY2010 and FY2019 — 3 of 447 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Private Mail Centers industry average of 4.9%.
- 0.7%SBA default rate3 of 447 loans
- 447loans resolvedapproved FY2010–FY2019
- 4.9%Private Mail Centers averageall SBA loans in the industry
- 1st lowestindustry rankof 4 Private Mail Centers brands
| SBA default rate | 0.7% |
|---|---|
| Loans approved | 447 |
| Loans charged off | 3 |
| Date range | FY2010–FY2019 |
| Industry | Private Mail Centers |
| Industry average | 4.9% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 143 The UPS Store SBA borrowers failed to repay — well below the Private Mail Centers average of 4.9%.
What is the The UPS Store franchise failure rate on SBA loans?
The UPS Store is a Private Mail Centers franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to The UPS Store franchisees: 447 loans approved between fiscal 2010 and 2019, of which 3 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY2019447
- Charged off3
- Charge-off rate0.7%
- Private Mail Centers franchise benchmark4.9%
- Brand vs industry0.1x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$205,639
- New SBA loans since 2020928
- Early charge-offs since 20202
How does The UPS Store compare with other Private Mail Centers franchises?
The table sets The UPS Store's charge-off rate beside its Private Mail Centers peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | The UPS Store | Private Mail Centers | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.7% | 4.9% | 10.2% | 8.0% |
| Loans in sample | 447 | — | — | — |
| Defaults | 3 | — | — | — |
| Average loan size | $205,639 | — | — | — |
What has The UPS Store SBA lending looked like since 2020?
Since 2020, The UPS Store franchisees have taken 928 new SBA 7(a) loans. 2 have already charged off. Early defaults on loans under six years old are worth noting. Most SBA failures take longer to develop.
Loans approved since 2020, by fiscal year — counts only: 2 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 31 | 0 | 0.0% |
| FY2011 | 22 | 1 | 4.5% |
| FY2012 | 19 | 0 | 0.0% |
| FY2013 | 43 | 0 | 0.0% |
| FY2014 | 66 | 0 | 0.0% |
| FY2015 | 60 | 1 | 1.7% |
| FY2016 | 66 | 0 | 0.0% |
| FY2017 | 47 | 0 | 0.0% |
| FY2018 | 54 | 1 | 1.9% |
| FY2019 | 39 | 0 | 0.0% |
| FY2020 | 54 | — | outstanding |
| FY2021 | 153 | — | outstanding |
| FY2022 | 149 | — | outstanding |
| FY2023 | 205 | — | outstanding |
| FY2024 | 113 | — | outstanding |
| FY2025 | 145 | — | outstanding |
| FY2026 | 109 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
The UPS Store's figure rests on 447 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 447 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every The UPS Store figure is recomputed from the public SBA FOIA file on each rebuild.
Is The UPS Store in financial trouble? What the SBA data shows
The UPS Store's SBA 7(a) default rate was 0.7% for loans approved FY2010–FY2019 (3 of 447 loans charged off) — the lowest of 4 Private Mail Centers brands tracked here. A default rate this far below the Private Mail Centers average of 4.9% is not, on its own, a sign of distress.
Frequently asked
- What is The UPS Store's franchise failure rate?
- The UPS Store franchisees defaulted on 0.7% of SBA 7(a) loans between FY2010 and FY2019 — 3 of 447 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Private Mail Centers industry average of 4.9%.
- How does The UPS Store compare to other Private Mail Centers franchises?
- The UPS Store's 0.7% SBA default rate is lower than the Private Mail Centers industry average of 4.9%. See every Private Mail Centers franchise ranked on the Private Mail Centers industry page. Private Mail Centers franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). The UPS Store franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.7% (3 of 447 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/the-ups-store/ · Data & methodology · Download the dataset (CSV)