Financing for every stage of store ownership.
Financing designed for The UPS Store owners
Bridge gets The UPS Store owners the financing they need, whether that is growth capital, a store purchase, or a technology refresh.
What it is
Financing across the life of a UPS Store.
Bridge helps The UPS Store owners access financing across the full lifecycle of ownership. That includes SBA loans and equipment financing for facility upgrades, and acquisition loans for buying an existing store or additional locations. Rather than owners chasing down individual banks, Bridge gets them the financing they need, whether that is growth capital, a store purchase, or a technology refresh.
Since the partnership launched, Bridge has helped The UPS Store owners access more than $100 million in financing options. The volume matters because it is how we know the credit boxes. We already work with hundreds of SBA lenders and regional banks that keep a franchise file, and we bring them hundreds of deals a year.
That is how we know what matters to them, how to underwrite, and what to do to get the deal done, fast. The job is not to sell one product. The job is to put the request in front of the lenders that already do this work, then stay on it through closing.
There is no cost to see terms. Complete requests typically see indicative terms within 48 hours. There is no obligation to close.
Bridge vs other loan types
Different jobs. Different credit boxes.
A laser upgrade, a store purchase, and growth capital are not the same loan. Bridge matches the need to lenders that already know this franchise.
| Option | When it starts | What it covers | Tradeoff |
|---|---|---|---|
| Bridge | After we match the request to lenders that already know this franchise | SBA, equipment, acquisition, and growth capital sized to the store and the owner | One request, the right credit box. Bridge already works with the SBA lenders and regional banks that do this work |
| Shopping banks yourself | After you find a bank that actually has a franchise credit box | The same uses of proceeds, if the file reaches a yes | Hundreds of banks, each with a different box. Easy to apply to the wrong one and get a no with no next step |
| A single franchise lender | When that lender's product and timeline line up | Whatever that one shop is set up to fund | Convenient until the need changes. A laser upgrade, a second store, and an SBA purchase are rarely the same credit box |
| Equipment-only lender | After the quote and the asset are approved | Printers, signage, and other equipment pledged as collateral | Right for a technology refresh. Not the path for buying a store or adding a location |
| SBA, applied alone | After eligibility, structure, and the right SBA shop are confirmed | Purchase, expansion, and some working capital on 7(a) or 504 terms | Often the best leverage for a store purchase. Document-heavy, and not every SBA lender knows The UPS Store |
| Merchant cash advance | Any time | A lump sum against future receipts | Fast cash with daily withdrawals. High effective cost, and not tied to the project you are funding |
Going it alone
Useful tools with the wrong starting point
- 01Shopping banks one by one until a franchise box appears
- 02A single franchise lender, until the need no longer fits
- 03Equipment-only shops that cannot fund a store purchase
- 04Cash advances that debit receipts whether the project closes or not
Bridge for The UPS Store
Matched to lenders that already know this franchise
- 01Fit is evaluated early, before you apply to the wrong credit box
- 02SBA, equipment, and acquisition go to shops that already do the work
- 03We know how those lenders underwrite because we bring them the volume
- 04If the first path is wrong, you leave with a next step instead of a dead end
The real cost
The expensive outcome is the wrong desk, not the coupon.
A missed acquisition, a delayed laser install, or months of silence from a bank that never did franchise credit. Most financeable stores stall because the file went to the wrong lender.
The UPS Store owners do not usually lose on rate. They lose time. Calling banks that do not keep a franchise credit box, rebuilding the same package for each one, and waiting without a timeline is how an otherwise good purchase or upgrade misses the date it was meant to hit.
Bridge treats origination as an execution product. We say early whether the request fits SBA, equipment, a regional bank, or another structure. We send a clear document list. We keep status visible. If the first path is wrong, you leave with a next step instead of another cold application.
- This page is for owners funding a store purchase, a second location, a facility upgrade, or growth capital.
- This page is not for a one-product shop that cannot change when the need changes.
- Bridge packages the file for SBA lenders and regional banks we already know, so the process has a path through closing.
Where franchise files stall
Illustrative process risks, not pricing. Bridge does not quote an APR on this page. Terms are deal-specific and disclosed during underwriting.
- Wrong credit boxBanks and SBA shops that do not actually do this franchise
- Repeat applicationsThe same file rebuilt for each lender, with no shared picture
- Product mismatchAn equipment shop asked to fund a store, or SBA asked to fund a printer
- SilenceLong gaps with no status, timeline, or owner at the lender
- Dead endA no arrives with no guidance on what to do next
How capital moves
From the essentials to funded closing.
Share the essentials
Share a few basics about the store, the need, and the timeline. That is enough to see which credit box the request belongs in.
We align the structure
Bridge matches the file to how capital providers are underwriting The UPS Store today, so the package holds through diligence.
We get it funded
We negotiate, coordinate, and stay on the deal until capital is in hand. Typical terms in 48 hours. No cost to use.
Underwriting starting point
What helps us move fast.
A franchise file is a documentation product. A complete picture up front is what keeps the lender from restarting the request. Bring the store, the plan, and the personal picture they will ask for anyway.
- Store overview, location, and ownership
- Use of proceeds, purchase contract, or equipment quote
- Trailing store financials and franchise documentation
- Personal financial statement, tax returns, and ownership basics
Common questions
Clarity before capital.
What financing can The UPS Store owners get through Bridge?
SBA loans, equipment financing for facility upgrades such as laser printers and signage, acquisition loans for buying an existing store or another location, and growth capital. Bridge matches the request to the lenders that actually do that work, rather than sending every owner down the same product path.
Why use Bridge instead of calling banks myself?
Bridge already has relationships with hundreds of SBA lenders and regional banks that keep a franchise credit box. We bring them hundreds of deals each year, so we know what matters to them, how they underwrite, and what it takes to get a UPS Store file done. One request replaces a calendar of cold applications.
Can Bridge help with equipment like laser printers and signage?
Yes. Equipment lenders in the network fund facility upgrades when the asset is essential to the store. Bridge packages the quote and the use of proceeds so the file goes to shops that already do this work, instead of stretching a bank line or an SBA loan around a printer.
Can I finance buying an existing store or a second location?
Yes. Acquisition and expansion are core uses. The file still needs a clear purchase picture, store financials, and a lender that knows franchise credit. Bridge says early whether SBA, a regional bank, or another structure is the fit.
How fast can I see terms?
Most complete requests can receive indicative terms within 48 hours. Timing still depends on the file, the product, and the lender. There is no cost to see terms and no obligation to close.
Do I have to take financing if I see terms?
No. No cost to see terms. No obligation to close.
Get started
Ready to get capital for your UPS Store?
Share the opportunity with Bridge and see whether there is a financing path.
All financing is subject to application, credit review, and underwriting.