Franchise funding
How an operating print, pack-and-ship and mailbox center is read for working capital, equipment and receivables gaps.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a The UPS Store location and need capital? Merchant Fund Express funds existing The UPS Store owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. Funding runs from $25,000 to $5,000,000. We size the request from the store's deposits after royalty and marketing fee debits and any current positions. A complete file gets a same-day decision, with funding often the next business day.
Center owners who already operate one or more stores and want capital for the print side, the shipping counter or the gap created by business customers who pay on terms. Formats vary (street-front centers, hotel and campus locations, store-in-store), and each one deposits differently. The franchisor does not finance in-house, so outside capital is the normal route for upgrades.
Because print is a core service line, the commercial printing material on our printing industry page is also worth a read.
Checked Oct 2026 against the franchisor's own published materials. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Seasonal shipping peaks add a fourth pressure: more packaging supplies and more counter staff for several weeks. Short working capital covers that payroll and stock.
Already running a The UPS Store location and need capital? Merchant Fund Express funds existing The UPS Store owners with every product below. Terms depend on the business's revenue and history.
Compare them side by side in MCA vs business loan, or read the shipping and printing franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Wide-format or production printer | Equipment financing | Vendor quote, useful life, equipment as purpose | Quote, statements |
| Paper and postage for a large job | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, the purchase order |
| Slow-paying business accounts | Invoice factoring | Invoices to creditworthy business customers | Aging report, invoices |
| Holiday packaging and staff hours | Working capital or revenue-based financing | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements |
| Counter and signage refresh | Term loan | Tier 1, first position only | Contractor estimate, statements |
We start with the entity that owns the center and the account its deposits enter. Card settlements from the counter arrive daily; ACH and check payments from business accounts arrive in clusters. Both count, and our page on which deposits count as revenue explains the line between sales and transfers.
No tax returns for a typical first review; full financials are usually requested only above $250,000.
Suppose a center deposits $52,000 a month. Royalty and marketing debits total $4,400, outbound carrier charges $14,500, rent $5,800 and an existing loan payment $1,200. The owner wants a production printer quoted at $28,000.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A first center has no deposits for Merchant Fund Express to read, so it needs an operating history first; see buying a franchise. An existing owner adding a second center is reviewed on the current store's deposits, and the guide to opening another franchise location covers that path. Buying an existing center from its owner is a transfer, covered on franchise transfer financing.
Yes. An open center with business deposits can apply in about five minutes. Sole proprietors and ITIN applicants are accepted, and the first step is a soft credit pull.
Three months of bank statements as PDFs, a quote for any equipment, and an aging report if you want to factor invoices. Merchant Fund Express asks for full financials only on larger requests.
Yes. Equipment financing is reviewed on the vendor quote and the expected working life of the device. See /franchise-funding/equipment-financing/ for the details.
Each center or entity is read on its own deposits. You can request funding for one location or several, and franchisor debits are counted for each.
No. Merchant Fund Express is independent. We use the The UPS Store name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by The UPS Store or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
