SBA 7(a)/504 FOIA · FY1991–PRESENT · MICHIGAN
THE UPS STORE (TRADITIONAL) franchise in Michigan: what the public record shows
Franchisees of THE UPS STORE (TRADITIONAL) in Michigan have taken 50 SBA loans in the FY1991–present FOIA files (average $238,528). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. THE UPS STORE (TRADITIONAL)'s national ratio is 0.4×. Its latest FDD Item 20 state table reports 134 franchised outlets in Michigan (fiscal 2025) — about 1.32 per 100k residents.
Loans in MI
50
Charged off (all years)
3 of 28
Loss ratio in MI
—
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MI. 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
754
statewide, all operators
Per 100k residents
7.4
national 8.1
Versus the country
-9%
thinner
Every business in THE UPS STORE (TRADITIONAL)'s industry operating in Michigan — 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
$1,382
Michigan, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
+14%
costlier to staff
What THE UPS STORE (TRADITIONAL)'s industry actually pays workers in Michigan, 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 | 119 | — |
| 2024 | 128 | — |
| 2025 | 134 | — |
| System | Loans in MI | Charged off (all years) | Loss ratio in MI | Units in MI |
|---|---|---|---|---|
| Mail Boxes Etc. Usa | 29 | 2 of 25 | — | — |
| Fedex Ground | 18 | 0 of 16 | — | — |
| Ameriprise Financial Services | 10 | 0 of 4 | — | — |
| Fastsigns | 9 | 2 of 6 | — | — |
| Signarama | 9 | 2 of 9 | — | — |
| Express Personnel Services | 8 | 0 of 5 | — | — |
| Signs By Tomorrow | 8 | 2 of 6 | — | — |
| State Farm Insurance | 8 | 1 of 7 | — | — |
| Allstate Insurance | 7 | 0 of 5 | — | — |
| Minuteman Press | 7 | 1 of 2 | — | — |
| Aim Mail Center | 6 | 2 of 5 | — | — |
| EverLine Coatings and Services | 5 | — | — | — |
Other systems in THE UPS STORE (TRADITIONAL)'s sector whose franchisees borrowed in Michigan. 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.