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.
$61,000 - $122,000
$68,000
22
22 franchised
Proprietary PeerSense metric
LimitedActive 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)
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
Franchise Financing Resources
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
Estimated Monthly Payment
$631
Principal & Interest only
Locations
T-Shirts Plus — unit breakdown
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