A stored resource overlay system and method are presented. The method comprises: at a MFP, accepting a document, either in tangible form to be copied, or as an electronically formatted scan job; accessing a resource file stored in permanent storage; converting the resource file into an image; merging the image with the document; and, creating a merged document in an electronic format. The saved resource file may represent an image type such as a logo, background, signature, border, graphic, picture, or overlay for example. After accepting the document, it is converted to a rasterized data first image. Likewise, the image, converted from resource file in permanent storage, is supplied as a rasterized data second image. Then, merging the image with the document includes: adding the first image to the second image; and, generating a rasterized data third image. The resource file in permanent storage may be saved in a PDL format for example.