The antimicrobial and odor adsorbing fabric substrate has a surface and at least a portion of the surface is coated with a finish. The finish contains a compound selected from the group consisting of silver particle-containing compounds, silver ion-containing compounds, silver ion-generating compounds, and any combinations thereof, a hyperbranched polyethyleneimine derivative, potassium citrate, inorganic chloride, a polyurethane binder, and a cross-linking agent. The silver-ion containing compound is selected from the group consisting of silver zirconium phosphate, silver zeolite, silver glass, and any mixtures thereof or a conductive silver containing nanoparticle.