# Shipping and Printing Franchise Funding for Existing Owners

> Funding for operating shipping, print and sign franchise stores: production printers, wide-format and cutters, commercial accounts on terms and holiday peaks.

Source: https://mfebusinessloans.com/franchise-funding/sectors/shipping-printing/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

Already running a shipping, print or sign franchise and need capital? Merchant Fund Express funds existing owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing, invoice factoring and working capital. We read counter and commercial deposits at the store level, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.

## How does a shipping or print franchise make and spend money?

These stores run two businesses in one space. The counter side is walk-in retail: packing and shipping, mailbox rentals, notary and copy work, paid by card at the register. The production side is business-to-business: brochures, signs, banners, vehicle graphics, trade-show displays and recurring print runs for local companies, often billed on invoice with payment terms.
The counter brings steady daily deposits with a sharp lift from mid-November through December. The production side brings larger tickets but slower cash, because commercial customers pay 30 days or more after delivery. Meanwhile the store carries leases or notes on production printers, wide-format machines, laminators and cutters that have to be replaced on the manufacturer's cycle. Merchant Fund Express reads both sides, so a store whose cash sits in receivables is read on its full book of business.

## Shipping and print money map: what funds each cost line?

Cost line | Timing | What fits |
Production color printer or copier | Lease end or replacement cycle | Equipment financing on the dealer quote |
Wide-format printer, laminator, vinyl cutter | Adding signs and graphics | Equipment financing sized to useful life |
Commercial print invoices on terms | Paid 30+ days after delivery | Invoice factoring or a line of credit |
Boxes, packing supplies, paper and media | Bulk orders before the holidays | Inventory funding |
Point of sale and shipping software | Brand-standard upgrade | POS and tech funding |
Seasonal counter staff | November and December | Working capital |

## Which shipping and printing brands have funding pages?

The UPS Store
Any operating shipping, print or sign franchise can apply even if the brand is not listed. The review reads counter deposits, commercial receivables, equipment notes and royalty drafts the same way for every concept.

## When does factoring beat a line of credit for a print store?

Store profile | Better fit | Why |
Store with a few large commercial accounts paying slowly | Invoice factoring | Review leans on who owes the invoice, not the store's average balance |
Store open 3+ years with steady counter deposits | Line of credit | Draw only for the gap; interest only on what is drawn |
Store open under 3 years, card-heavy counter | Revenue-based financing | 6+ months in business and FICO 600+ |
The generic side-by-side is on line of credit vs invoice factoring. Terms depend on the business's revenue and history.

## Worked example: a wide-format printer and a slow-paying commercial account

A hypothetical shipping and print store deposits $46,000 a month, about $31,000 from the counter and $15,000 from commercial accounts. Royalty and ad fund drafts, rent and a copier lease total $12,800 a month. The owner wants a wide-format printer and cutter quoted at $38,000 to bring sign work in-house, and three commercial customers currently owe $21,000 on net 30 and net 45 invoices.
Equipment: $38,000 as equipment financing against the dealer quote.
Receivables: the $21,000 of open invoices can be factored to fund media, ink and the first weeks of sign work.
Margin check: $46,000 minus $12,800 leaves $33,200 for wages, supplies and new payments; the offer comparison calculator compares the monthly cost of each structure.
If outsourced sign work currently costs the store $3,000 a month, bringing it in-house offsets part of the new payment.
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 should a shipping or print owner send?

About 3 months of business bank statements as PDFs
Dealer quotes for printers, cutters or finishing equipment
A current open invoice list if commercial receivables are part of the request
Existing equipment leases and notes, with payments
Store and entity details if you own more than one location
Merchant Fund Express asks for no tax returns in a typical first review. Industry basics are on printing business funding.

## Keep reading

Franchise funding hub: every product and sector
The UPS Store franchise funding: a brand page with a checked fact panel
Invoice factoring for franchise owners: commercial accounts on terms
Franchise equipment financing: printers, cutters and finishing gear
Staffing and B2B franchise funding: another invoice-driven sector

## Common questions

### Can an existing shipping store owner get funding?

Yes. Merchant Fund Express funds operating shipping, print and sign franchises from $25,000 to $5,000,000, sized from deposits.

### Can I finance a production printer instead of leasing it?

Yes. Equipment financing is reviewed on the dealer quote with the printer as the purpose.

### My commercial customers pay in 45 days. Can that be funded?

Yes. Invoice factoring leans on the open invoices and the customers who owe them, which suits print stores with slow-paying business accounts.

### Does the holiday shipping season help or hurt the file?

It helps when read across several months. The review looks at the pattern, so a December spike and a January dip are expected.

### Are royalty drafts a problem?

No. Royalty and ad fund debits are read as normal recurring costs, and the payment is sized after them.

### Can I fund a POS or software upgrade?

Yes. Working capital or equipment financing covers brand-standard POS and shipping software upgrades.

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