Will Your Cash Flow Cover Your Loan?
This Debt Service Coverage Ratio calculator shows you if your business generates enough money to comfortably repay a SBA or line of credit from a bank
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Will Your Cash Flow Cover Your Loan?
Which loans use DSCR to determine approval?
Bank Loans
DSCR measures your annual cash flow against debt payments to help banks assess repayment risk.
SBA Loans
DSCR shows SBA lenders if your cash flow can cover loan payments to decide eligibility.Ask ChatGPT
How much can I finance for my The UPS Store location?
Whether you're buying your first The UPS Store location or upgrading an existing one, Bridge helps you get the financing you need.
Select Funding Type
Select Sub Option
New Location Costs (Traditional)
Cost Category
Franchise & Program Fees
Training & On‑Boarding
Site Preparation & Build‑Out
Furniture, Fixtures & Equipment (FFE)
Technology & Media
Opening Supplies & Working Capital
Total Initial Investment
Estimated Range
$47,950
$10,000 - $12,500
$71,420 - $360,434
$18,909 - $21,980
$2,418 - $6,433
$48,080 - $126,031
$198,777 - $575,328
Required Capital
✔️ Yes
✔️ Yes
-
-
-
-
$57,950 - $60,450
Can Be Financed
-
-
✔️ Yes
✔️ Yes
✔️ Yes
✔️ Yes
$140,827 - $514,878
*Cost of manditory Laser Lite Upgrade included in these costs
Location Purchase Costs (Traditional)
Cost Category
Location Sale Price
Franchise & Program Fees
Training & On‑Boarding
Site Preparation & Build‑Out
Furniture, Fixtures & Equipment (FFE)
Technology & Media
Opening Supplies & Working Capital
Total Initial Investment
Estimated Range
$150,000 - $900,000*
$47,950
$10,000 - $12,500
$71,420 - $360,434
$18,909 - $21,980
$2,418 - $6,433
$48,080 - $126,031
$198,777 - $575,328
Required Capital
-
✔️ Yes
✔️ Yes
-
-
-
-
$57,950 - $60,450
Can Be Financed
✔️ Yes
-
-
✔️ Yes
✔️ Yes
✔️ Yes
✔️ Yes
$140,827 - $514,878
*Sale price not included in totals
*Cost of manditory Laser Lite Upgrade included in these costs
*Cost of manditory Laser Lite Upgrade included in these costs
Laser Lite Remodel/Relocate Costs (Traditional)
Cost Category
Design Fee
Site Survey
Center Development Fee
Construction, Signage & Décor
Technology & Hardware
Optional Keyless Entry
Total Remodel Investment
Estimated Range
$3,000
$1,900 - $3,500
$7,500
$81,559 - $199,017
$2,325 - $20,196
$0 - $944
$96,284 - $236,482
Required Capital
✔️ Yes
-
✔️ Yes
-
-
-
$10,500
Can Be Financed
-
✔️ Yes
-
✔️ Yes
✔️ Yes
✔️ Yes
$225,982
Select Sub Option
New Location Costs (Main Street)
Cost Category
Franchise & Program Fees
Training & On‑Boarding
Site Preparation & Build‑Out
Furniture, Fixtures & Equipment (FFE)
Additional Funds (3-month reserves)
Total Initial Investment
Estimated Range
$16,950
$8,400 - $10,900
$10,400 - $13,500
$30,268 - $70,094
$40,000 - $70,000
$185,243 - $565,477
Required Capital
✔️ Yes
✔️ Yes
-
-
✔️ Yes
$65,350 - $97,850
Can Be Financed
-
-
✔️ Yes
✔️ Yes
Not Recommended
$40,668 - $83,594
*Cost of manditory Laser Lite Upgrade included in these costs
According to the Franchise Disclosure Document, a “Rural Program” (aka “Main Street” model) Center is one that meets both of these criteria
The total population within a 5-mile radius is less than 30,000
The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center
The total population within a 5-mile radius is less than 30,000
The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center
Location Purchase Costs (Main Street)
Cost Category
Location Sale Price
Franchise & Program Fees
Training & On‑Boarding
Site Preparation & Build‑Out
Furniture, Fixtures & Equipment (FFE)
Additional Funds (3-month reserves)
Total Initial Investment
Estimated Range
$150,000 - $900,000*
$16,950
$8,400 - $10,900
$10,400 - $13,500
$30,268 - $70,094
$40,000 - $70,000
$185,243 - $565,477
Required Capital
-
✔️ Yes
✔️ Yes
-
-
✔️ Yes
$65,350 - $97,850
Can Be Financed
✔️ Yes
-
-
✔️ Yes
✔️ Yes
Not Recommended
$40,668 - $83,594
*Sale price not included in totals
*Cost of manditory Laser Lite Upgrade included in these costs
According to the Franchise Disclosure Document, a “Rural Program” (aka “Main Street” model) Center is one that meets both of these criteria
The total population within a 5-mile radius is less than 30,000
The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center
The total population within a 5-mile radius is less than 30,000
The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center
Laser Lite Remodel (Main Street)
Cost Category
Design Fee
Site Survey
Center Development Fee
Construction, Signage & Décor
Technology & Hardware
Total Remodel Investment
Estimated Range
$3,000
$1,900 - $3,500
$7,500
$81,559 - $199,017
$18,104 - $74,620
$96,284 - $287,637
Required Capital
✔️ Yes
-
✔️ Yes
-
-
$10,500
Can Be Financed
-
✔️ Yes
-
✔️ Yes
✔️ Yes
$85,784 - $277,137
* According to the Franchise Disclosure Document, a “Rural Program” (aka “Main Street” model) Center is one that meets both of these criteria
- The total population within a 5-mile radius is less than 30,000.
- The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center.
- The total population within a 5-mile radius is less than 30,000.
- The proposed Center is located at least 10 miles away from any other Traditional-model UPS Store® Center.
Live Interest Rates Tracker
Most lenders quote an Annual Percentage Rate (APR), which shows the total yearly cost of your loan, including interest AND all fees. This is the number you want to focus on because it gives you the complete picture of what you'll actually pay.
Interest is usually expressed as a percentage of the amount you’ve borrowed, the higher the interest rate, the more money will be added to your original loan amount.
Get Loan Offers in 3 Simple Steps
Step 1
Create Your Summary
Share basic details about your financing needs.
Step 2
Compare Your Options
Review customized financing options from our lender network in 48 hours.
Step 3
Get Funded
Finalize documentation and start putting your capital to work.
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