SpeedPro Imaging vs The UPS Store: franchise research comparison

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Franchise fees and ongoing costs

Franchise fee

$49,500 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

6% · Greater of (a) 6% of first $60,000 of monthly Gross Sales plus 4% of Gross Sales above $60,000, or (b) the Minimum Royalty Fee (amount not in excerpt); no royalty for first 12 months for a new studio; converting print businesses pay 1%/2%/3% in years 1-3

Marketing contribution

2% (basis not captured; see original filing)

Technology fee

$350 per month base (or $450 per month total when multiple studios share one POS system); starts month 13 for new studios; increases $15/month over 1 TB storage and $53-$108/month over 1,000 CRM contacts; may rise up to 10% per year

Other fees

Annual convention fee $275 (up to $550) if held; Late fee $100-$200; Interest 18% or the legal maximum on late amounts

Working capital (FDD Item 7)

Item 7 gives Additional Funds for the first SIX months (not three): $60,000 - $90,000 for employee wages, utilities, legal/accounting, software and other expenses; excludes debt service and owner salary.

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Average/median gross sales (Table 3, same-store); quartile P&L tables (average and median gross sales, COGS, expenses, EBITDA, owner discretionary profit); system-wide gross sales; average customer value

Reporting period

Calendar year 2025 (Jan 1 - Dec 31, 2025); Table 3 also shows 2024

Sample

Tables 1A-1D: 98 of 124 studios; Table 3: 96 studios; Table 2: all studios open any time in the year; Table 4: 119 studios

Reported average

$1,030,364

Reported median

$902,601

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

121

Year-end outlets

124

Net change

+3

Derivation

ending minus starting outlets

Openings

5

Terminations

2

Non-renewals

0

Other closures

0

Reacquisitions

0

Transfers

9

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

SBA loan history

Loan activity

29 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$298,600

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

23 loans

Historical charge-off share

20.00%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

8 / 40

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Franchise fees and ongoing costs

Franchise fee

$19,950 to $39,950 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

5% · 5% of 'Subject to Royalty' (STR), payable via EFT monthly; STR = Gross Sales plus Gross Commissions less Allowable Exclusions

Marketing contribution

2.5% (basis not captured; see original filing)

Technology fee

$2,868/year (new Center franchise/transfers) or $2,748/year (Rural Center or 2nd+ franchise), billed monthly

Other fees

The UPS Store Marketing Fee 1% of STR; Collaborative Dues $100-$500/month; iShip Processing Fee $0.22/transaction

Working capital (FDD Item 7)

$40,000 to $70,000, covering operating losses/expenses during roughly the first 3 months; actual needs vary and may exceed this range depending on ramp-up time

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

average annual adjusted gross sales (system-wide, and for top-performing and bottom-performing 10% of Traditional Centers); no profit/EBITDA data disclosed

Reporting period

Full calendar years 2023, 2024, and 2025

Sample

5,058 franchised Traditional Centers reporting for full-year 2025 (4,931 in 2024; 4,825 in 2023)

Reported average

$724,293

Reported median

Not captured

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

5350

Year-end outlets

5487

Net change

+137

Derivation

ending minus starting outlets

Openings

187

Terminations

5

Non-renewals

0

Other closures

44

Reacquisitions

1

Transfers

237

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

SBA loan history

Loan activity

878 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$349,600

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

572 loans

Historical charge-off share

0.58%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

3 / 519

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.