# The UPS Store Franchise Funding for Existing Owners

> Funding for existing The UPS Store owners: print and copy equipment, packaging supplies, payroll and slow business receivables, sized from store deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/the-ups-store/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

The UPS Store: facts from official sources
Royalty: 5% of adjusted gross monthly sales (source)
Marketing fee: 3.5% of adjusted gross monthly sales (source)
Minimum cash contribution (new franchisee): $100,000 to $150,000 (source)
Minimum net worth (new franchisee): $250,000 (source)
Total investment, traditional location: $222,368 to $606,081 (subject to change) (source)
Multi-center ownership: Available for qualified franchisees (source)
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.

## Which problems do The UPS Store owners usually bring to a review?

A production printer lease is ending or a device is failing. Business cards, posters and direct mail jobs run on high-volume digital and wide-format equipment. Equipment financing on a vendor quote matches payments to the device's working life instead of draining the operating account.
A large direct mail or print order needs stock and labor up front. Paper, envelopes and postage are paid before the job is invoiced. A line of credit draws for the job and is repaid as the client pays.
Business customers pay in 30 to 60 days. Counter sales settle daily, but corporate and property-management accounts often pay on invoice. Invoice factoring turns those receivables into cash without waiting.
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.

## Every way to fund your The UPS Store location

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.
Business loan: a term loan with weekly payments for a planned project at your The UPS Store location, such as a refresh or a bundle of equipment.
Merchant cash advance: quick capital sized on counter sales.
Revenue-based financing: repaid from a share of sales, which suits a store whose weeks are uneven.
Line of credit: a revolving line up to $350,000, with interest only on what is drawn.
Equipment financing: print and copy equipment on the vendor quote.
Working capital: supplies and payroll while business print accounts pay on terms.
Compare them side by side in MCA vs business loan, or read the shipping and printing franchise guide.

## Which product fits which store need?

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 |

## How does the review read a The UPS Store location?

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.
Royalty and marketing fee debits are treated as recurring obligations, like rent, and capacity is sized after them.
Pass-through carrier charges are read in context: high gross deposits with a large outbound carrier draft are judged on what stays in the store.
Existing advances or loans are counted; a new structure can lower the total payment.
Multi-center owners are reviewed entity by entity.

## What documents does a The UPS Store funding review need?

About 3 months of business bank statements in PDF form from the bank
The five-minute application, which starts with a soft credit pull
Equipment quote for any printer, finisher or shipping hardware
For factoring: an accounts receivable aging and sample invoices
A debt schedule listing current payments (template on our debt schedule page)
No tax returns for a typical first review; full financials are usually requested only above $250,000.

## A hypothetical store budget scenario

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.
Monthly deposits$52,000
Less royalty/marketing, carrier, rent, existing loan$52,000 - $4,400 - $14,500 - $5,800 - $1,200 = $26,100
Printer quote over 48 months$28,000 / 48 = about $583/month before cost of funds
Share of what remains$583 / $26,100 = about 2.2%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a center instead?

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.

## Keep reading

Shipping and printing franchise funding: every brand page in the sector
Franchise brands we cover: every brand page in this guide
Franchise equipment financing: quote-based equipment for franchised units
Equipment financing: how equipment requests are structured
Printing business funding: cash flow of print-heavy operations
Franchise working capital: short-term gaps for operating units

## Common questions

### Can an existing The UPS Store owner apply?

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.

### Which documents speed up a review for a center?

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.

### Can I finance print and copy equipment for my The UPS Store?

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.

### What if I own several The UPS Store centers?

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.

### Are you affiliated with The UPS Store?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=the-ups-store