Monograms Plus (Retail)
The total investment to open a Monograms Plus (Retail) franchise ranges from $111,580 to $191,130. The initial franchise fee is $35,000. Ongoing royalties are 6% plus a 3% advertising fee.
What is the Monograms Plus (Retail) franchise?
Monograms Plus (Retail) is a store selling gifts, novelty items and souvenirs. The estimated total initial investment is $111,580 to $191,130, and the initial franchise fee is $35,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 3 percent. The franchise agreement term is 20 years.
Loan Activity Score
39/100
SBA Default Rate
0.0%
Active Lenders
2
According to its Franchise Disclosure Document or public business records, Monograms Plus (Retail) has 2 locations, all owned by franchisees. Public SBA loan records show 2 lenders made 2 loans to franchisees of Monograms Plus (Retail). PeerSense calculates Monograms Plus (Retail)'s score as 39 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
2 locations
$111,580 to $191,130
$35,000
2
2 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Monograms Plus (Retail)
2
Total SBA loans
$158K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Monograms Plus (Retail)
Loan Activity Score Breakdown
New or niche (1 to 2 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 13.6% peer avg
SBA Loans
2
Total Volume
$0.3M
Active Lenders
2
States
2
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Monograms Plus (Retail) based on SBA lending data
SBA Default Rate
0.0%
13.6% below peer avg
SBA Loan Volume
2 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.0 loans per lender
Investment Tier
Mid range investment
$111,580 to $191,130 total
Monograms Plus (Retail): Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1992
2 approvals. The best year on record for Monograms Plus (Retail).
Top SBA State
North Carolina
1 SBA financed Monograms Plus (Retail) locations, the densest operator footprint.
Average Loan Size
$158K
Median $158K. Use as a sizing anchor when modeling your own Monograms Plus (Retail) unit.
Lender Concentration
100%
Concentrated
Share of Monograms Plus (Retail) approvals captured by the top 3 SBA lenders.
Monograms Plus (Retail)'s SBA lending pipeline peaked in 1992 (2 approvals). Operator density is highest in North Carolina with 1 SBA financed locations. Average funded ticket sits at $158K, with the median at $158K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,155
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Monograms Plus (Retail), unit breakdown
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman