What is the SBA loan default rate for Florists?

At 20.8%, Florists sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 946 lenders actively fund this industry.

Which SBA program is best for Florists?

The SBA 7(a) program is the most commonly used for Florists businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 453110Retail Trade

How Much Can Florists Businesses Get in SBA Loans?

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5,805 SBA loans totaling $663.1M have been approved for florists businesses (NAICS 453110). The average approved SBA loan is $114K, which is 66% below avg the $340K national average. 946 active lenders fund this industry with a 20.8% default rate on the matured 2018-2021 loan cohort.

Elevated default risk20.8% vs 15.4% all industry avg

At 20.8%, Florists sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 453110 (Florists) received 5,805 SBA loans worth $663.1M across 5+ states. Average loan $114K, average term 111 months, 20.8% default rate (resolved loan basis).946 active SBA approved lenders fund this industry. Most florists loans use the SBA 7(a) program.

5,805

Total SBA Loans

$663.1M

Total Volume

$114K

Avg Loan Size

66% below avg

946

Active Lenders

111 mo

Avg Term

15% below avg

21,850

Jobs Supported

Is SBA Lending Growing for Florists?-83% decline

119

111

$17.8M

$22.9M

$16.7M

$16.3M

$18.8M

$28.3M

$19.5M

$1.6M

$65K

$325K

Which SBA Program Do Florists Businesses Use Most?

SBA 7(a)5,539 (95%)

SBA 504266 (5%)

What Is the Best SBA Loan for Florists?

SBA 7(a)

The most widely used SBA program for florists businesses: flexible terms, multiple use cases

Industry avg loan: $114K

Typical term: 111 months

Historical avg rate: 6.56%

946+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 20.8%

Where Are Florists SBA Loans Most Common?

527 loans

$82.8M

385 loans

$58.7M

358 loans

$31.4M

318 loans

$29.7M

260 loans

$25.6M

SBA Lending Activity in Florists

946 SBA lenders have funded 5,805 loans to florists businesses (NAICS 453110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

5,805

Active lenders

946

Total volume

$663.1M

Avg loan size

$114K

Browse all SBA lenders

Florists Industry Context

U.S. Employment

28,615,000

BLS · 2026

Talk to PeerSense

PeerSense sources capital for florists businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Florists business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Florists Businesses?

Across all SBA loan programs, 5,805 loans have been approved for businesses classified under NAICS 453110 (Florists), representing $663.1M in total capital deployed. The average approved loan of $114K is 66% below avg the national SBA average of $340K, with typical repayment terms of 111 months.

SBA lending for florists has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 946 lenders remain active, maintaining competitive options for qualified borrowers.

The overwhelming majority of SBA lending for florists uses the 7(a) program, which provides the most flexibility, covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.

Talk to PeerSense about a florists file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Florists SBA Loans

What is the average SBA loan size for florists businesses?

Based on 5,805 approved SBA loans, the average loan size for florists (NAICS 453110) is $114K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a florists business?

SBA 7(a) is the most commonly used SBA program for florists businesses. The most widely used SBA program for florists businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for florists?

946 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a florists file.

What states have the most SBA lending for florists?

CA leads with 527 SBA loans and $82.8M in total volume for florists businesses. TX, NY, PA also show strong lending activity in this sector.

How does PeerSense help florists businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a florists file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

All Other Miscellaneous Store Retailers (except Tobacco Stores)

11,465 loans · N/A

Avg: $171K

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

8,713 loans · N/A

Avg: $117K

All Other General Merchandise Stores

4,265 loans · N/A

Avg: $154K

Other Direct Selling Establishments

3,977 loans · N/A

Avg: $287K

Vending Machine Operators

3,725 loans · N/A

Avg: $176K

Data aggregated from SBA loan records (1992 to 2025). Florists defined by NAICS code 453110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.