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CAP America

CAP America

Franchising since 1985 · 414 locations

The total investment to open a CAP America franchise ranges from Up to $134,480. The initial franchise fee is $72,000. Ongoing royalties are 15% plus a 2.5% advertising fee. CAP America currently operates 414 locations (414 franchised). Data sourced from the 2026 Franchise Disclosure Document.

Investment

Up to $134,480

Franchise Fee

$72,000

Total Units

414

414 franchised

FPI Score

This franchise has not yet been scored by the Franchise Performance Index. Scores are calculated based on public FDD data, SBA loan performance, and system-level metrics.

Top SBA Lenders for CAP America

What is the CAP America franchise?

Cap America, Inc., established its roots as a Missouri corporation on December 1, 1985, evolving into a distinguished entity primarily recognized for its robust manufacturing and distribution of quality headwear. With its principal business operations headquartered at 2400 County Road 155, Fredericktown, Missouri 63645, the company has cultivated nearly two decades of experience in the wholesale sector before strategically venturing into direct retail franchising. The decision to offer the Cap America franchise opportunity commenced in 2004, marking a significant expansion into the retail landscape, allowing entrepreneurs to leverage an established brand in custom apparel and promotional products. The core offering involves the operation of a dedicated retail store, specializing in the sale of imprinted and embroidered headwear, various apparel items, and a diverse range of promotional products. This model builds upon Cap America, Inc.'s extensive manufacturing capabilities, providing franchisees with a direct link to a proven supply chain for high-quality goods. The brand is positioned to serve a broad clientele, including local businesses, educational institutions, sports teams, civic organizations, and individual consumers seeking personalized items. This integrated approach, from manufacturing to a retail storefront, distinguishes the offering by providing a comprehensive solution in the custom product market. The brand emphasizes delivering high-quality, customizable merchandise, aiming to capture a significant share of the localized custom apparel and promotional goods segment. The initiation of the franchise program in 2004 represented a pivotal moment for the company, transitioning from a wholesale focus to empowering independent business owners with a retail model designed for direct customer engagement and service. The brand's long

Key Highlights

414 locations nationwide

Why CAP America Doesn't Appear in Public SBA Data

The SBA 7(a) program publishes loan-level data for every approved franchise borrower. CAP America does not currently appear in those public records — and that absence carries useful information for prospective franchisees evaluating this brand.

Absence from SBA records does not mean a brand is un-fundable. It typically means the franchise system uses alternative capital sources, or that current franchisees self-fund, secure conventional bank financing, or roll over equity from a prior business sale rather than going through an SBA-guaranteed 7(a) loan. For prospective CAP America franchisees, the practical question is which financing path actually closes for this brand's profile.

Data window: SBA 7(a) approvals reported through the most recent FOIA release. Absence of CAP America from this window does not reflect lender denial — it reflects no 7(a)-program activity recorded for this brand in the public dataset.

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

CAP Americaunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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1 FDD Available for CAP America

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CAP America