SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
THE UPS STORE (TRADITIONAL) franchise in Georgia: what the public record shows
Franchisees of THE UPS STORE (TRADITIONAL) in Georgia have taken 129 SBA loans in the FY1991–present FOIA files (average $310,488). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 4 charge-offs among 45 resolved loans, where about 8.2 would be expected (0.5×). THE UPS STORE (TRADITIONAL)'s national ratio is 0.4×. Its latest FDD Item 20 state table reports 273 franchised outlets in Georgia (fiscal 2025) — about 2.44 per 100k residents.
Loans in GA
129
Charged off (all years)
4 of 56
Loss ratio in GA (not clear)
0.5×
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
971
statewide, all operators
Per 100k residents
8.7
national 8.1
Versus the country
+7%
denser
Every business in THE UPS STORE (TRADITIONAL)'s industry operating in Georgia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,075
Georgia, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-11%
cheaper to staff
What THE UPS STORE (TRADITIONAL)'s industry actually pays workers in Georgia, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 237 | 1 |
| 2024 | 256 | 1 |
| 2025 | 273 | 1 |
| System | Loans in GA | Charged off (all years) | Loss ratio in GA | Units in GA |
|---|---|---|---|---|
| Mail Boxes Etc. Usa | 68 | 7 of 61 | 0.7×NOT CLEAR | — |
| Fastsigns | 21 | 3 of 13 | — | — |
| Allstate Insurance | 17 | 2 of 14 | — | — |
| Pakmail Centers of America | 16 | 4 of 14 | — | — |
| Ameriprise Financial Services | 14 | 0 of 12 | — | — |
| Smash My Trash | 13 | 0 of 6 | — | — |
| ALPHAGRAPHICS | 11 | 0 of 8 | — | 13 |
| Signarama | 10 | 3 of 6 | — | — |
| JACKSON HEWITT TAX SERVICE | 8 | 0 of 4 | — | — |
| Minuteman Press | 8 | 1 of 7 | — | — |
| Patrice & Associates | 7 | 0 of 2 | — | — |
| Sealmaster | 6 | 0 of 5 | — | — |
Other systems in THE UPS STORE (TRADITIONAL)'s sector whose franchisees borrowed in Georgia. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing THE UPS STORE (TRADITIONAL)’s numbers, including talking you out of a bad deal.