A gift or clothing shop in Sevierville, TN can fund a custom-printed shirt order, a garment printer for printing in the shop, or the full size run of a new style through Boldwick Funding Group. Funding partners review each request and make the decision; a shop owner can start one at (865) 326-1090 or on the request form.
An invented 1,200-shirt order with a deposit and a balance at delivery on a six-month inventory loan, a garment printer and heat press over 48 months, a size run on a credit line draw, and the register reports a partner may ask for.
Retail loans for a souvenir shop's custom T-shirt order: a deposit now and the balance at delivery
A souvenir shop that sells shirts printed with its own design orders them in a large run from a print supplier, and the supplier may ask for a deposit when the order is placed and the balance when the cartons ship. Both payments fall before the shop has sold a single shirt.
Illustration only, invented figures: a Sevierville, TN souvenir shop orders 1,200 printed shirts at $6.85 each, $8,220, with half ($4,110) due with the order and half when the shirts arrive five weeks later. A six-month inventory financing loan for the full $8,220 at an invented 13.75% annual rate means six payments of $1,425.46, $8,552.76 in all, with $332.76 of interest.
At an invented $19.99 a shirt, selling 240 a month brings in $4,797.60, more than the payment; at 60 a month ($1,199.40) the invented sales would fall short of it. That gap is the number to look at before ordering 1,200 rather than 600.
ZIP Code Business Patterns put 10 gift, novelty and souvenir store establishments at a ZIP 37862 address in 2023 (NAICS 453220).
Retail business loans for a garment printer and heat press at a Sevierville, TN gift shop
Printing in the shop turns a shirt from stock bought in bulk into a blank printed when a customer picks a design. That takes three machines: a direct-to-garment printer, a pretreatment machine and a heat press.
Illustration only, invented figures: the printer costs $16,450, the pretreatment machine $2,380 and the heat press $1,290, $20,120 together. Over 48 months at an invented 11.5% annual rate, the shop pays $524.91 monthly; the 48 payments come to $25,195.68, $5,075.68 of it interest.
At an invented $11.40 margin per printed shirt after the blank and the ink, the payment equals about 47 shirts a month ($524.91 divided by $11.40, rounded up, our arithmetic). Blank shirts and ink are stock, so they belong with working capital rather than the machine loan.
All three machines plug in and sit on a counter or a stand, so they count as equipment. A dedicated circuit, if the printer needs one, is property work outside this site.
Inventory financing for an apparel shop's size runs: what a full run costs next to the top sellers
A new style in an apparel shop comes in sizes and colors. Buying only the two sizes that sell in the largest numbers, M and L in this invented case, leaves customers who wear the smallest and largest sizes without a choice; buying the full run ties up more cash.
| Size | Units per color | Units in four colors | Cost |
|---|---|---|---|
| S | 3 | 12 | $174.00 |
| M | 6 | 24 | $348.00 |
| L | 6 | 24 | $348.00 |
| XL | 4 | 16 | $232.00 |
| 2XL | 2 | 8 | $116.00 |
| Total | 21 | 84 | $1,218.00 |
Illustration only, invented figures: five new styles bought in a full run cost $6,090; buying only M and L would cost $3,480. A draw of $6,090 on a business line of credit, paid off after 75 days at an invented 14.6% annual rate, carries $182.70 of interest, and $78.30 of that is on the $2,610 of extra sizes.
For a larger buy with a fixed schedule, an inventory financing loan is the alternative to a draw.
ZIP Code Business Patterns counted 84 clothing and clothing accessories stores with a ZIP 37862 address in 2023 (NAICS 448). In the 2024 Nonemployer Statistics, Sevier County, TN had 110 clothing, clothing accessories, shoe and jewelry retailers with no paid employees (NAICS 458).
Register reports and supplier invoices a Sevier County, TN shop keeps ready for a funding partner
A funding partner looking at a shop request may ask for records that show how sales move month to month:
- Card batch reports from the register or the card processor for recent months
- Sales by category from the point of sale, so printed shirts and other stock can be told apart
- Supplier invoices for the last large orders, with their payment terms
- Business bank statements that show the same deposits
The request form asks for contact details, time in business, annual revenue and the amount needed; records like these come up later, if a partner asks for them.
The retail page works through racking, a special order and a closeout lot for other kinds of stores, so this article stays with printed stock and apparel.
By Boldwick Funding Group · Updated
