Business Services · lender intelligence

How to finance a The UPS Store in Kentucky

State:

Alabama (13)Arizona (10)Arkansas (4)California (124)Colorado (16)Connecticut (8)Delaware (2)District of Columbia (7)Florida (103)Georgia (76)Hawaii (3)Idaho (8)

The SBA 7(a) lenders funding the most The UPS Store deals in Kentucky, 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 Kentucky

$228K

Typical loan

range $200K–$328K

$254K

Est. purchase price

≈ loan ÷ 90%

$33,914

Cash to close

$25,356 down + fees

$3,340/mo

Typical payment

~12.5% · 10yr

$46,092/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

8.75%

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 Kentucky

Ranked by funded The UPS Store loans in Kentucky. 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 · $19M · Louisville, KYFull record →
3.23 loans · $39M · Miami, FLFull record →
4.31 loans · $13M · Louisville, KYFull record →
5.168 loans · $205M · Fishers, INFull record →
6.499 loans · $106M · Los Angeles, CAFull record →

11+ funded The UPS Store in Kentucky 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.

NMG LLC in Independence, KY — $270K (2026) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.3% variable
Term
126 months
SBA guaranteed
$202K (75%)
Approval → funding
8 days
Approved
11/24/2025
First disbursed
12/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Private Mail Centers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Bull Moose Holding Company LLC in Harrodsburg, KY — $228K (2026) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.99% variable
Term
126 months
SBA guaranteed
$171K (75%)
Approved
1/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
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
Mistry Inc. in Prospect, KY — $350K (2025) · purchase · Stock Yards Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
76 days
Approved
8/28/2025
First disbursed
11/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,155
Annual debt service
$50K
Cash flow needed (1.25×)
$62K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
H&H Shipping LLC in Nicholasville, KY — $289K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$216K (75%)
Approved
3/26/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
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
Bull Moose Holding Company LLC in Harrodsburg, KY — $224K (2025) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$168K (75%)
Approved
3/26/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
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
ANKAR LLC in Louisville, KY — $200K (2025) · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
12.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
14 days
Approved
12/31/2024
First disbursed
1/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Private Mail Centers
Funded by Lendistry SBLC, LLC · Lender record →
Your business? Claim this record · Request removal
The UPS Store 5354 in Louisville, KY — $225K (2024) · City National Bank of Florida
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
0 days
Approved
6/28/2024
First disbursed
6/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Private Mail Centers
Funded by City National Bank of Florida · Lender record →
Your business? Claim this record · Request removal
KY GIG INC in Crescent Springs, KY — $328K (2023) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$246K (75%)
Approval → funding
14 days
Approved
3/21/2023
First disbursed
4/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$364K
Est. down payment (10%)
$36K
Est. cash at closing
$49K
Monthly payment
$4,283
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
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
KY GIG INC in Crescent Springs, KY — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
4/5/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
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
Still in Paradise Inc in Lexington, KY — $125K (2021) · purchase · Republic Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.95% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$63K (50%)
Approval → funding
7 days
Approved
5/21/2021
First disbursed
5/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$139K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,764
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
A-Team Desperadoes, LLC in Louisville, KY — $737K (2020) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$553K (75%)
Approved
9/23/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
All Other Miscellaneous Store Retailers (except Tobacco Stor
If you were the buyer here
Est. deal size
$819K
Est. down payment (10%)
$82K
Est. cash at closing
$112K
Monthly payment
$8,182
Annual debt service
$98K
Cash flow needed (1.25×)
$123K
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 First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal

Buying a The UPS Store in Kentucky? 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.

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

Agent summary

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

$320K typical The UPS Store loan
8 lenders active in Kentucky
11+ funded Kentucky deals
14 days typical to fund

Buyers buying a The UPS Store in Kentucky 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 2026-06-24.
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/kentucky
API:: https://www.capbench.com/api/public/lenders?franchise=the-ups-store&state=KY
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.