SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
THE UPS STORE (TRADITIONAL) franchise in New York: what the public record shows
Franchisees of THE UPS STORE (TRADITIONAL) in New York have taken 81 SBA loans in the FY1991–present FOIA files (average $183,239). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 3 charge-offs among 36 resolved loans, where about 6.1 would be expected (0.5×). THE UPS STORE (TRADITIONAL)'s national ratio is 0.4×. Its latest FDD Item 20 state table reports 269 franchised outlets in New York (fiscal 2025) — about 1.35 per 100k residents.
Loans in NY
81
Charged off (all years)
3 of 36
Loss ratio in NY (not clear)
0.5×
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. 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
1,851
statewide, all operators
Per 100k residents
9.3
national 8.1
Versus the country
+15%
denser
Every business in THE UPS STORE (TRADITIONAL)'s industry operating in New York — 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
$1,222
New York, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
+1%
costlier to staff
What THE UPS STORE (TRADITIONAL)'s industry actually pays workers in New York, 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 | 249 | — |
| 2024 | 261 | — |
| 2025 | 269 | — |
| System | Loans in NY | Charged off (all years) | Loss ratio in NY | Units in NY |
|---|---|---|---|---|
| Mail Boxes Etc. Usa | 53 | 2 of 42 | 0.3× | — |
| Ameriprise Financial Services | 23 | 0 of 19 | — | — |
| Allstate Insurance | 19 | 0 of 14 | — | — |
| Fedex Ground | 16 | 6 of 14 | — | — |
| Liberty Tax Service | 14 | 4 of 10 | — | — |
| Fastsigns | 12 | 1 of 6 | — | — |
| Minuteman Press | 12 | 2 of 9 | — | — |
| JACKSON HEWITT TAX SERVICE | 10 | 0 of 8 | — | — |
| POSTNET | 8 | 0 of 3 | — | 11 |
| ALPHAGRAPHICS | 7 | 3 of 6 | — | 2 |
| Patrice & Associates | 6 | 1 of 4 | — | — |
| Signarama | 6 | 0 of 4 | — | — |
Other systems in THE UPS STORE (TRADITIONAL)'s sector whose franchisees borrowed in New York. 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.