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T-Shirts Plus

T-Shirts Plus

22 locations

The total investment to open a T-Shirts Plus franchise ranges from $61,000 - $122,000. The initial franchise fee is $68,000. T-Shirts Plus currently operates 22 locations (22 franchised). The top SBA 7(a) lenders for T-Shirts Plus are First Western SBLC, Inc, Wells Fargo Bank and BMO Bank. PeerSense FPI health score: 29/100.

Investment

$61,000 - $122,000

Franchise Fee

$68,000

Total Units

22

22 franchised

FPI Score
High
29

Proprietary PeerSense metric

Limited
Capital Partners
13lenders available

Active capital sources verified for T-Shirts Plus financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Established (25-99 loans)

High Confidence
29out of 100
Limited

SBA Lending Performance

SBA Default Rate

18.5%

5 of 27 loans charged off

SBA Loans

27

Total Volume

$2.9M

Active Lenders

13

States

18

Top SBA Lenders for T-Shirts Plus

What is the T-Shirts Plus franchise?

Tshirts Plus stands as a distinctive and growing entity within the vibrant family clothing stores sector, offering a specialized retail experience centered around custom and ready-to-wear apparel. Established with its headquarters in MARY ESTHER, FL, this brand has steadily built a reputation for providing versatile and personalized clothing options that cater to a broad demographic, from individual consumers seeking unique designs to local organizations requiring branded merchandise. The Tshirts Plus franchise model represents a compelling opportunity for entrepreneurs looking to engage with a business that combines creative expression with practical retail operations. With a current footprint of 12 total units, the brand has demonstrated a focused approach to market penetration, establishing a presence in communities where demand for accessible, customizable apparel is strong. The core offering typically revolves around a wide array of t-shirts, encompassing various styles, sizes, and materials, complemented by an expanding selection of other casual wear and accessories. This strategic niche allows the Tshirts Plus franchise to serve multiple customer segments, including families, schools, sports teams, small businesses, and event organizers, all seeking quality clothing solutions. The brand's commitment to customer satisfaction and product diversity positions it as a go-to destination for everyday apparel needs and special occasion requirements. Over its operational history, Tshirts Plus has cultivated a brand identity synonymous with affordability, convenience, and the unique ability to bring personalized visions to life on fabric, setting it apart in the competitive retail landscape. The controlled growth to 12 units underscores a deliberate expansion strategy, ensuring foundational strength and ongoing support for each new Tshirts Plus franchise owner.

The broader family clothing stores market is a dynamic and ever-evolving

FPI Score

29/100

SBA Default Rate

18.5%

Active Lenders

13

Key Highlights

Data Insights

Key performance metrics for T-Shirts Plus based on SBA lending data

SBA Default Rate

18.5%

5 of 27 loans charged off

SBA Loan Volume

27 loans

Across 13 lenders

Lender Diversity

13 lenders

Avg 2.1 loans per lender

Investment Tier

Low-cost entry

$61,000 – $122,000 total

T-Shirts Plus — 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

1995

5 approvals — best year on record for T-Shirts Plus.

Top SBA State

Missouri

3 SBA-financed T-Shirts Plus locations — the densest operator footprint.

Average Loan Size

$107K

Median $92K — use as a sizing anchor when modeling your own $T-Shirts Plus unit.

Lender Concentration

63%

Concentrated

Share of T-Shirts Plus approvals captured by the top 3 SBA lenders.

T-Shirts Plus's SBA lending pipeline peaked in 1995 (5 approvals). Operator density is highest in Missouri with 3 SBA-financed locations. Average funded ticket sits at $107K, with the median at $92K. Lender mix is concentrated: the top three SBA lenders account for 63% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$49K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$631

Principal & Interest only

Locations

T-Shirts Plusunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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T-Shirts Plus