Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a The UPS Store franchise? Not all lenders are equal — some banks fund dozens of The UPS Store deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for The UPS Store in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for The UPS Store (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association | 32 | $16.9M | 6.86% |
| 2 | The Huntington National Bank | 18 | $5.7M | 9.59% |
| 3 | U.S. Bank, National Association | 11 | $5.6M | 8.96% |
| 4 | United Community Bank | 8 | $3.8M | 9.72% |
| 5 | Merchants Bank of Indiana | 7 | $2.7M | 9.54% |
| 6 | Live Oak Banking Company | 7 | $3.9M | 10.17% |
| 7 | Centerstone SBA Lending, Inc. | 7 | $2.6M | 9.57% |
| 8 | Cadence Bank | 5 | $3.1M | 9.90% |
| 9 | First Bank of the Lake | 5 | $1.4M | 9.80% |
| 10 | TD Bank, National Association | 4 | $2.3M | 8.26% |
| 11 | Newtek Bank, National Association | 4 | $625K | 11.00% |
| 12 | Celtic Bank Corporation | 3 | $768K | 10.08% |
| 13 | Manufacturers and Traders Trust Company | 3 | $581K | 9.42% |
| 14 | Magnifi Financial CU | 3 | $614K | 10.08% |
| 15 | Columbia Bank | 2 | $661K | 10.00% |
Key Stats
- Total SBA loans for The UPS Store in 2025: 171
- Total volume: $74.0M
- Average loan size: $433K
- Average interest rate: 9.05%
- Rate range: 6.13% – 13.50%
- Top states: California (23), Florida (17), North Carolina (15), Texas (11), Illinois (10), New Jersey (8), Georgia (8), Washington (7), Pennsylvania (6), Tennessee (6)
Why lender choice matters: The rate spread for The UPS Store loans ranges from 6.13% to 13.50%. On a $433K loan, that’s a difference of $32K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for The UPS Store
- Work with a lender who knows The UPS Store — The lenders above have funded multiple The UPS Store deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for The UPS Store?
GoSBA submits your The UPS Store deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
