Clothes Mentor, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0393)
15 deals since 2020 · typical deal $286K
15
Deals since 2020
$286K
Typical deal
5
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Clothes Mentor
Most Clothes Mentor deals financed between $50K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,980
- Down payment (10%)
- $32K
- Cash to close (all-in)
- $43K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$43K)
Experience
Recent financings
- A New Outlook Company in Richardson, TX — $295K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 122 months
- SBA guaranteed
- $221K (75%)
- Approved
- 1/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Citizens Bank · Lender record →
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- SweatFamily LLC in Lexington, KY — $415K (2025) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 31 days
- Approved
- 4/29/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by U.S. Bank, National Association · Lender record →
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- Era of Change Inc. in Roswell, GA — $349K (2025) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.74% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $262K (75%)
- Approval → funding
- 21 days
- Approved
- 9/30/2025
- First disbursed
- 10/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Wells Fargo Bank National Association · Lender record →
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- Clothes Mentor in Plano, TX — $349K (2025) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $262K (75%)
- Approval → funding
- 62 days
- Approved
- 5/23/2025
- First disbursed
- 7/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by BayFirst National Bank · Lender record →
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- MJ2C Enterprises, LLC in Tyler, TX — $286K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $215K (75%)
- Approval → funding
- 15 days
- Approved
- 9/15/2025
- First disbursed
- 9/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Live Oak Banking Company · Lender record →
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- TAHWAH ENTERPISES, INC. in Waldorf, MD — $182K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $136K (75%)
- Approval → funding
- 23 days
- Approved
- 11/6/2023
- First disbursed
- 11/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Clothing and Clothing Accessories Retailers
Funded by Citizens Bank · Lender record →
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- JCW Apparel LLC in Mckinney, TX — $491K (2023) · Midwest Regional Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $368K (75%)
- Approval → funding
- 11 days
- Approved
- 2/23/2023
- First disbursed
- 3/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Women's Clothing Stores
Funded by Midwest Regional Bank · Lender record →
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- Stylish Chic LLC in Coon Rapids, MN — $392K (2022) · purchase · Village Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $294K (75%)
- Approval → funding
- 2 days
- Approved
- 6/22/2022
- First disbursed
- 6/24/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Used Merchandise Stores
If you were the buyer here
- Est. deal size
- $435K
- Est. down payment (10%)
- $44K
- Est. cash at closing
- $58K
- Monthly payment
- $4,346
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Village Bank · Lender record →
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- LAST Enterprises LLC in Overland Park, KS — $350K (2022) · Community Banks of Colorado, A Division of NBH Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.45% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 0 days
- Approved
- 7/27/2022
- First disbursed
- 7/27/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Other Computer Related Services
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
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- Renewed LLC in Burnsville, MN — $228K (2022) · Sunrise Banks National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $171K (75%)
- Approval → funding
- 8 days
- Approved
- 4/26/2022
- First disbursed
- 5/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Used Merchandise Retailers
Funded by Sunrise Banks National Association · Lender record →
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Who funds Clothes Mentor — and where
Every dot is a financed Clothes Mentor — 15 mapped.
Financed Clothes Mentor locations — list all 15 as text
- JCW Apparel LLC — Mckinney · $491K · FY2023 · Women's Clothing Stores
- MJ2C Enterprises, LLC — Tyler · $286K · FY2025 · Clothing and Clothing Accessories Retailers
- Era of Change Inc. — Roswell · $349K · FY2025 · Clothing and Clothing Accessories Retailers
- A New Outlook Company — Richardson · $295K · FY2026 · Clothing and Clothing Accessories Retailers
- SweatFamily LLC — Lexington · $415K · FY2025 · Clothing and Clothing Accessories Retailers
- Clothes Mentor — Plano · $349K · FY2025 · Clothing and Clothing Accessories Retailers
- Renewed LLC — Burnsville · $228K · FY2022 · Used Merchandise Retailers
- Renewed LLC — Burnsville · $25K · FY2022 · Used Merchandise Retailers
- Stylish Chic LLC — Coon Rapids · $392K · FY2022 · Used Merchandise Stores
- LAST Enterprises LLC — Overland Park · $350K · FY2022 · Other Computer Related Services
- Jeans Washington LLC — Maple Grove · $176K · FY2022 · Used Merchandise Stores
- Jeans Washington LLC — Maple Grove · $25K · FY2022 · Used Merchandise Stores
- TAHWAH ENTERPISES, INC. — Waldorf · $182K · FY2024 · Clothing and Clothing Accessories Retailers
- SAPPHIRE ROSE ENTERPRISES, LLC — Peoria · $40K · FY2022 · Women's Clothing Stores
- SAPPHIRE ROSE ENTERPRISES, LLC — Peoria · $50K · FY2021 · Women's Clothing Stores
Top lenders for this brand
Most active states
- 1.Minnesota (5 loans)
- 2.Texas (4 loans)
- 3.Arizona (2 loans)
- 4.Georgia (1 loans)
- 5.Kentucky (1 loans)
- 6.Kansas (1 loans)
- 7.Maryland (1 loans)
Represent Clothes Mentor?
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Common questions
How much does a Clothes Mentor cost to buy or open?
The typical deal for Clothes Mentor is $286K across 15 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $31K of buyer cash on a typical deal.
How risky is Clothes Mentor?
Clothes Mentor has 15 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Clothes Mentor with an SBA loan?
Yes — Clothes Mentor has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Clothes Mentor franchise
Most Clothes Mentor buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Clothes Mentor deal financed for $286K, which points to about $31K of buyer cash on a typical purchase. Clothes Mentor is listed in the SBA Franchise Directory (identifier S0393), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Clothes Mentor — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Clothes Mentor — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Clothes Mentor — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Clothes Mentor is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 15 SBA 7(a) deals since 2020
- $286K typical deal
- 5 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0393)
- Top lenders: Sunrise Banks National Association, U.S. Bank, National Association, Citizens Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Clothes Mentor.