How Much Can Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Businesses Get in SBA Loans?
1,006 SBA loans totaling $410.6M have been approved for flower, nursery stock, and florists' supplies merchant wholesalers businesses (NAICS 424930). The average approved SBA loan is $408K, which is 20% above avg the $340K national average. 293 active lenders fund this industry with a 19.2% default rate on the matured 2018-2021 loan cohort.
At 19.2%, Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 424930 (Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers) received 1,006 SBA loans worth $410.6M across 5+ states. Average loan $408K, average term 126 months, 19.2% default rate (resolved-loan basis).293 active SBA-approved lenders fund this industry. Most flower, nursery stock, and florists' supplies merchant wholesalers loans use the SBA 7(a) program. There are approximately 3,886 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers?
Which SBA Program Do Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers?
The most widely used SBA program for flower, nursery stock, and florists' supplies merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers
These banks have funded the most SBA loans for flower, nursery stock, and florists' supplies merchant wholesalers businesses (NAICS 424930). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 70 | $7.6M |
| 2 | U.S. Bank, National Association(OH) | 50 | $20.8M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 49 | $8.9M |
| 4 | Wells Fargo Bank National Association(SD) | 35 | $18.9M |
| 5 | PNC Bank, National Association(DE) | 34 | $3.9M |
Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Industry Context
Ready to Fund Your Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Business?
PeerSense places SBA loans for flower, nursery stock, and florists' supplies merchant wholesalers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers Businesses?
Across all SBA loan programs, 1,006 loans have been approved for businesses classified under NAICS 424930 (Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers), representing $410.6M in total capital deployed. The average approved loan of $408K is 20% above avg the national SBA average of $340K, with typical repayment terms of 126 months.
SBA lending for flower, nursery stock, and florists' supplies merchant wholesalers has remained relatively stable across recent fiscal years. 293 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 9% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching flower, nursery stock, and florists' supplies merchant wholesalers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers SBA Loans
What is the average SBA loan size for flower, nursery stock, and florists' supplies merchant wholesalers businesses?
Which SBA loan program is best for a flower, nursery stock, and florists' supplies merchant wholesalers business?
How many lenders fund SBA loans for flower, nursery stock, and florists' supplies merchant wholesalers?
What states have the most SBA lending for flower, nursery stock, and florists' supplies merchant wholesalers?
How does PeerSense help flower, nursery stock, and florists' supplies merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers defined by NAICS code 424930. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.