SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
THE UPS STORE (TRADITIONAL) franchise in Pennsylvania: what the public record shows
Franchisees of THE UPS STORE (TRADITIONAL) in Pennsylvania have taken 106 SBA loans in the FY1991–present FOIA files (average $253,117). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 3 charge-offs among 32 resolved loans, where about 5.6 would be expected (0.5×). THE UPS STORE (TRADITIONAL)'s national ratio is 0.4×. Its latest FDD Item 20 state table reports 155 franchised outlets in Pennsylvania (fiscal 2025) — about 1.19 per 100k residents.
Loans in PA
106
Charged off (all years)
3 of 40
Loss ratio in PA (not clear)
0.5×
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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
898
statewide, all operators
Per 100k residents
6.9
national 8.1
Versus the country
-15%
thinner
Every business in THE UPS STORE (TRADITIONAL)'s industry operating in Pennsylvania — 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
$1,153
Pennsylvania, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
-5%
cheaper to staff
What THE UPS STORE (TRADITIONAL)'s industry actually pays workers in Pennsylvania, 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 | 147 | — |
| 2024 | 154 | — |
| 2025 | 155 | — |
| System | Loans in PA | Charged off (all years) | Loss ratio in PA | Units in PA |
|---|---|---|---|---|
| Minuteman Press | 39 | 1 of 20 | — | — |
| Mail Boxes Etc. Usa | 31 | 2 of 25 | — | — |
| Liberty Tax Service | 24 | 6 of 17 | — | — |
| Ameriprise Financial Services | 19 | 0 of 15 | — | — |
| ALPHAGRAPHICS | 14 | 1 of 13 | — | 3 |
| Fastsigns | 14 | 0 of 8 | — | — |
| Signs By Tomorrow | 12 | 0 of 9 | — | — |
| Allstate Insurance | 11 | 0 of 11 | — | — |
| JACKSON HEWITT TAX SERVICE | 9 | 1 of 6 | — | — |
| Signarama | 9 | 3 of 8 | — | — |
| Fedex Ground | 8 | 0 of 8 | — | — |
| H&R Block | 8 | 0 of 3 | — | 174 |
Other systems in THE UPS STORE (TRADITIONAL)'s sector whose franchisees borrowed in Pennsylvania. 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.