The present invention was directed to a unique heat transfer material for use in transferring an image-bearing coating onto a substrate, such as an article of clothing. The heat transfer material of the present invention may be used in cold peel transfer processes, resulting in an image-bearing coating having superior washability, compared to conventional image-bearing coatings. Additionally, the materials may be used on dark colored fabrics without graying of the opaque background or dulling of colored images typically associated with printing on darker fabrics. The heat transfer material of the present invention produces superior results due to the addition of crosslinking agents to the coatings.