SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
UPS Store Franchise Failure Rate: 3.7% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 27 UPS Store SBA borrowers failed to repay — below the Private Mail Centers average of 4.9%.
Between 2010 and 2019, 27 UPS Store franchisees financed with SBA 7(a) loans. 1 defaulted — a 3.7% charge-off rate, 0.8x the Private Mail Centers average of 4.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the UPS Store franchise failure rate on SBA loans?
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 UPS Store franchisees: 27 loans approved between fiscal 2010 and 2019, of which 1 was 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–FY201927
- Charged off1
- Charge-off rate3.7%
- Private Mail Centers franchise benchmark4.9%
- Brand vs industry0.8x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$167,689
How does UPS Store compare with other Private Mail Centers franchises?
The table sets 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 | UPS Store | Private Mail Centers | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 3.7% | 4.9% | 10.2% | 8.0% |
| Loans in sample | 27 | — | — | — |
| Defaults | 1 | — | — | — |
| Average loan size | $167,689 | — | — | — |
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 | 12 | 0 | 0.0% |
| FY2011 | 5 | 1 | 20.0% |
| FY2012 | 6 | 0 | 0.0% |
| FY2013 | 4 | 0 | 0.0% |
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?
UPS Store's figure rests on 27 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 27 resolved loans, one default moves the rate by about 3.7 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every UPS Store figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 27 resolved loans — directional, not precise.
Frequently asked
- What is UPS Store's franchise failure rate on SBA loans?
- Between 2010 and 2019, 27 UPS Store franchisees financed with SBA 7(a) loans. 1 defaulted — a 3.7% charge-off rate, 0.8x the Private Mail Centers average of 4.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is UPS Store a safe franchise investment?
- Between 2010–2019, UPS Store franchisees defaulted on SBA loans at 3.7% versus a 4.9% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). UPS Store franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 3.7% (1 of 27 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/ups-store/ · Data & methodology · Download the dataset (CSV)