It Looks Like Your Browser
Is Out Of Date.

Microsoft will be phasing out Internet Explorer soon. Please use Chrome, Edge or another browser to fully experience The UPS Store Franchise website.

Download Browser Update ›

Franchise Financing - Flexible Options

vector art representing The UPS Store


Franchise ownership and management is an exciting new experience for the first-time entrepreneur. Whether you’re looking into franchising to achieve an ideal work-life balance, to nurture a more comfortable “nest egg” or to try out a new career opportunity, proper financing is the key to long-term success and profitability. Funding your franchise with the most optimal financing opportunity based on your unique goals, financial situation and background can help eliminate many of the pitfalls that those without experience or industry expertise may encounter.

The UPS Store may offer financing programs to our franchisees to support center upgrades and remodels, equipment leasing, and expansion into multiple center locations. We encourage you to investigate lending options from other lenders who specialize in franchise financing to ensure you receive the financing that best suits your business needs.

The UPS Store Franchise Financing Tool

To provide the best franchise loan options for potential franchisees, The UPS Store teamed up with Guidant Financial, a leading financial institution. Guidant Financial knows our franchise business, our models and operating systems and can offer an array of funding options for prospective franchisees who qualify for franchise loans.

Additionally, Guidant Financial provides a full suite of financing options, including 401(k) business funding, SBA loans, portfolio loans, unsecured loans and more. 

Financing Options Explained

If you’re just starting out the process of finding a franchise to invest in, you may have a lot of questions about the financing options available to you. Here’s a quick breakdown of the financing options from Guidant Financial listed above.

  • 401(k) Business Funding: This financing option allows you to buy a franchise location with money from your previous or existing employer 401(k) plan without having to worry about any tax penalties. The Employee Retirement Income Security Act (ERISA) protects the cash in your 401(k) from additional taxes when it’s used to start a new business. This option is especially popular in the franchise world.
  • SBA Loan: A small business loan that is partially guaranteed by the government through the Small Business Administration (SBA). SBA loans eliminate some of the risks for the financial institution issuing the loan. The SBA doesn’t actually issue the loan, they work with a network of approved financial institutions that frequently work with small businesses. Since the SBA partially guarantees the loans, the financial institution can offer small businesses better terms.
  • Portfolio Loan: For borrowers, portfolio loans are typically more ideal than many other loan options. In many cases, loans are packaged with other loans and sold off to other institutions by the lender. With a portfolio loan, the lender keeps the loan as a part of their investment portfolio. This method tends to work out better for the borrower as they have direct access to the lender if any issues arise.
  • Unsecured Loan: With an unsecured loan, lenders use the creditworthiness of the borrower when distributing the loan, rather than requiring them to put down any collateral. Because unsecured loans don’t require any collateral like a piece of property, the terms of each loan are usually determined by the borrower’s credit score. Outside of franchising, common examples of unsecured loans include credit cards and student loans.

Additional Ways The UPS Store Supports Franchise Financing

Along with providing initial financing options and support, The UPS Store also offers special discounts for veterans and minorities.

The UPS Store is proud to support and contribute to this growth in minority-owned businesses. First time buyers of a new The UPS Store® who are minorities and commit to developing a new traditional center are eligible to receive $15,000 off the franchise fee (an approximate 50% discount). Learn more about our minority franchise opportunities.

We encourage you to speak to our Franchise Development Team for additional details about franchise costs, financial requirements, available financing opportunities and everything else you need to know to open your own The UPS Store center. 

With respect to any loan made by The UPS Store, Inc., the following statement applies. Loans made or arranged pursuant to a California Financing Law License. 


2023 Entrepreneur's Franchise 500 Top Rated for Veterans badge

We Proudly Support Our Veterans

Participating partners with the VetFran program, The UPS Store offers qualifying veterans $15,000 off their franchise fee to start their new business. To learn more, contact The UPS Store Franchise Development Team.

Entrepreneur's Franchise 500 Ranked #4 in 2023 badge

Ranked for over 30 Consecutive Years

The UPS Store has been ranked #1 in the postal and business services category for over 30 years and remains in the top 5 overall for the seventh consecutive year according to the Franchise 500 list.

Kristin Howard

Franchisee, Michigan

The reason my husband and I decided to go into franchising and specifically with The UPS Store, is the different opportunities we're given with the business. The UPS Store has name recognition as well as opportunities to expand.

Debbie Adams

Franchisee, Kentucky

What I enjoy most about being a The UPS Store owner is working with my customers. We are the solution specialists for our customers.

Jim George

Franchisee, Illinios

My favorite part about The UPS Store network is the camaraderie with other franchisees. Everybody loves to help everybody else. You’re really part of a family.

Greg Murray

Franchisee, Florida

The interesting thing about The UPS Store is that when a customer walks through the door there's an extremely high probability that they're coming there to do something that is important to them. So at the end of the day, what we do for customers is very important and they are trusting that we are going to do it well.

See the Full Testimonial

Mariana Huberman

Franchisee, Washington, D.C.

One of the things that I love about The UPS Store franchise system is that you're not ever in this by yourself. The franchisees of The UPS Store network are great.

Heidi Morris

Franchisee, Colorado

The thing I enjoy most about being a The UPS Store franchisee is I get to get up, go to work and know that I'm helping other business owners succeed in what they're doing.

Bob Brown

Franchisee, Tennessee

Owning a The UPS Store franchise has changed my life because it's finally given me the opportunity to engage my customers and my staff and be able to take real pride in what I do. As a franchisee, we get faced with solving peoples' problems every day and we do everything we possibly can to try to help.

Marie Jensen

Franchisee, Oregon

My favorite thing about The UPS Store is the variety. I love the variety of customers, I love the variety of services; getting to know the customers, meeting their needs, finding out how we can help them accomplish what they need to accomplish and seeing how happy they are. That makes me ecstatic.

Learn More About Marie

Tad Mollnhauer

Franchisee, Florida

With the products and services that The UPS Store provides we can make a difference in people's lives and that is the best reason for being a The UPS Store owner.

Joy Batchelor

Franchisee, Idaho

What makes being a The UPS Store franchisee worthwhile at the end of the day is the customers. The customers treat us like we're family.

Paul Erchinger

Franchisee, Texas

One nice benefit of owning a The UPS Store franchise for me has been that it gives me the opportunity to be more involved in the community. As I make relationships with others it seems like no matter what the environment is, in one way or another business comes out of that and that's not my objective—it's been a secondary benefit to being involved in the community.

Chris Reminder

Franchisee, Ohio

There are several things that I really enjoy about being a The UPS Store franchisee. First and foremost it allows me to get to know the people in the local community and that is a lot of fun. We get to see people on a regular basis. We get to know their life stories. That's a lot of fun.

Bruce Jones

Franchisee, Kentucky

Since we have joined The UPS Store, our life has changed by just having more time to spend together as a family. We've been very fortunate with the stores that we have and we have a great staff that looks out for our best interest and we look out for theirs.

Lonnie Williams

Franchisee, Oklahoma

What makes The UPS Store so successful is it gives each individual an opportunity to grow with the network and just meet the challenges that are brought to them on a daily basis. Every day gives us a new opportunity to help another person, to help another small business, to answer a question and to solve a problem.

Jeff Graham

Franchisee, Alabama

I love my customers. I love my employees. I love every person, every face that comes into my store. I enjoy every day going into work and I can't see doing anything else for the rest of my life.

Stacie Stigar

Franchisee, Alaska

I think that this franchise is so successful because of all of the resources that are available to us as center owners—we have marketing materials, we have so many different opportunities for help from the home office, and it just really makes for a great franchise.

Don Pollard

Franchisee, New Jersey

I think the thing that makes this franchise successful is a number of things. First of all we have an outstanding system, we have a great product, a great brand, and we're able to attract dynamic people to run these centers and run the business. So I think when you put all that together it really provides for a winning combination.

Mary Ellen Nichols

Franchisee, Tennessee

The thing I love about the franchise is that you have the UPS name backing you but yet you also have the autonomy to make your own decisions to promote.

Laura Griffin

Franchisee, Florida

In the eight short months I've owned my The UPS Store it has really changed my life. I've gone from being an employee of someone else to being an employer of my associates. It's a big responsibility but it's exciting every day.

Sandy Scandrett

Franchisee, Wisconsin

Being a The UPS Store franchisee has improved every aspect of my life. It's very rewarding financially, professionally, and emotionally. I have a large number of regular customers who are really, really appreciative of everything we do.

Kristie Robison

Franchisee, Alabama

I would say owning a The UPS Store location has changed my life to where I have more time and flexibility. In owning your own business you get your store up and running and you get employees that you can trust that are going to help keep your store running. This allows me to attend my two boys' ball games and also travel and do things with them so it has really changed my life for the better.