Business Services · lender intelligence

How to finance a The UPS Store in Illinois

State:

The SBA 7(a) lenders funding the most The UPS Store deals in Illinois, from public loan records — typical The UPS Store loan about $320K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance The UPS Store in Illinois

$334K

Typical loan

range $225K–$457K

$371K

Est. purchase price

≈ loan ÷ 90%

$49,563

Cash to close

$37,056 down + fees

$4,594/mo

Typical payment

~11% · 10yr

$63,397/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

25 days

Typical time to fund

Lenders competing

more = leverage

7.99%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with The UPS Store in Illinois

Ranked by funded The UPS Store loans in Illinois. Tap a lender for its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.42 loans · $48M · Los Angeles, CAFull record →
3.20 loans · $14M · Arlington Heights, ILFull record →
4.5 loans · $4M · Melrose Park, ILFull record →
5.75 loans · $98M · Sioux Falls, SDFull record →
6.36 loans · $51M · Carmel, INFull record →
7.242 loans · $281M · Chicago, ILFull record →
8.1 loans · $0M · Ooltewah, TNFull record →
9.66 loans · $68M · Milford, IAFull record →
10.116 loans · $120M · Evansville, INFull record →
11.46 loans · $47M · Asheville, NCFull record →
12.10 loans · $3M · Barrington, ILFull record →
13.17 loans · $9M · Saint Charles, ILFull record →

56+ funded The UPS Store in Illinois deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

UNIVERSAL RETAIL CORPORATION in Antioch, IL — $345K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$259K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Couriers and Express Delivery Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HMG LOGISTICS LLC in Melrose Park, IL — $280K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$210K (75%)
Approval → funding
41 days
Approved
12/10/2025
First disbursed
1/20/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Private Mail Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ILKA Enterprises Bucktown LLC in Chicago, IL — $229K (2026) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$172K (75%)
Approval → funding
42 days
Approved
11/17/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
ILKA Enterprises Logan Square LLC in Chicago, IL — $203K (2026) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.13% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$152K (75%)
Approval → funding
42 days
Approved
11/17/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Private Mail Centers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
UNIVERSAL RETAIL CORPORATION in Antioch, IL — $30K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
1/29/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Couriers and Express Delivery Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
HMG LOGISTICS LLC in Melrose Park, IL — $25K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
12/10/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Private Mail Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
PBL LLC -1555 in Downers Grove, IL — $637K (2025) · purchase · Barrington Bank & Trust Company, National Association
Program
Preferred Lenders Program
Rate at approval
6.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$477K (75%)
Approval → funding
25 days
Approved
10/21/2024
First disbursed
11/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Office Supplies and Stationery Retailers
If you were the buyer here
Est. deal size
$707K
Est. down payment (10%)
$71K
Est. cash at closing
$95K
Monthly payment
$7,374
Annual debt service
$88K
Cash flow needed (1.25×)
$111K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Barrington Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
THE UPS STORE UIC in Chicago, IL — $540K (2025) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$405K (75%)
Approval → funding
98 days
Approved
11/20/2024
First disbursed
2/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Couriers and Express Delivery Services
If you were the buyer here
Est. deal size
$600K
Est. down payment (10%)
$60K
Est. cash at closing
$80K
Monthly payment
$7,136
Annual debt service
$86K
Cash flow needed (1.25×)
$107K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
Archistar Investments, Inc. in Frankfort, IL — $485K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$364K (75%)
Approved
5/27/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Couriers and Express Delivery Services
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
The UPS Store # 4917 (IL) in Fox River Grove, IL — $459K (2025) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$344K (75%)
Approval → funding
54 days
Approved
5/2/2025
First disbursed
6/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Couriers and Express Delivery Services
If you were the buyer here
Est. deal size
$510K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,939
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
LD FIRST LLC in Carpentersville, IL — $457K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$343K (75%)
Approval → funding
58 days
Approved
4/30/2025
First disbursed
6/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
RAIR VENTURES LLC in Chicago, IL — $400K (2025) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
129 days
Approved
5/23/2025
First disbursed
9/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,397
Annual debt service
$65K
Cash flow needed (1.25×)
$81K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
The UPS Store #8142 in Franklin Park, IL — $256K (2025) · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
124 months
SBA guaranteed
$192K (75%)
Approval → funding
182 days
Approved
7/23/2025
First disbursed
1/21/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Couriers and Express Delivery Services
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
SSR1001-2 CORPORATION in Hoffman Estates, IL — $45K (2025) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.24% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$23K (50%)
Approval → funding
6 days
Approved
8/15/2025
First disbursed
8/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Office Supplies and Stationery Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
The UPS Store in Elgin, IL — $940K (2024) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$705K (75%)
Approval → funding
15 days
Approved
7/24/2024
First disbursed
8/8/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Packaging and Labeling Services
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$104K
Est. cash at closing
$143K
Monthly payment
$12,684
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
UPS Store # 3276 in Hinsdale, IL — $681K (2024) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$511K (75%)
Approval → funding
8 days
Approved
4/10/2024
First disbursed
4/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Couriers and Express Delivery Services
If you were the buyer here
Est. deal size
$757K
Est. down payment (10%)
$76K
Est. cash at closing
$101K
Monthly payment
$9,189
Annual debt service
$110K
Cash flow needed (1.25×)
$138K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
The UPS Store Huntley IL in Huntley, IL — $675K (2024) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$506K (75%)
Approval → funding
29 days
Approved
7/2/2024
First disbursed
7/31/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Couriers and Express Delivery Services
If you were the buyer here
Est. deal size
$750K
Est. down payment (10%)
$75K
Est. cash at closing
$100K
Monthly payment
$9,108
Annual debt service
$109K
Cash flow needed (1.25×)
$137K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
KALKEY ENTERPRISE INC. in South Holland, IL — $488K (2024) · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$366K (75%)
Approval → funding
12 days
Approved
4/4/2024
First disbursed
4/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Siyakisa Inc. in Belleville, IL — $371K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$278K (75%)
Approval → funding
4 days
Approved
1/25/2024
First disbursed
1/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$413K
Est. down payment (10%)
$41K
Est. cash at closing
$55K
Monthly payment
$4,958
Annual debt service
$60K
Cash flow needed (1.25×)
$74K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Harisha LLC in Bolingbrook, IL — $334K (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$250K (75%)
Approved
8/6/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
New Business or 2 years or less
Industry
Private Mail Centers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a The UPS Store in Illinois? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded The UPS Store loans with a Illinois project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a The UPS Store purchase in Illinois with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Illinois deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$320K typical The UPS Store loan
17 lenders active in Illinois
56+ funded Illinois deals
25 days typical to fund

Buyers buying a The UPS Store in Illinois typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All The UPS Store lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/the-ups-store/illinois
API:: https://www.capbench.com/api/public/lenders?franchise=the-ups-store
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.