How Much Can Nursery and Garden Centers Businesses Get in SBA Loans?
2,697 SBA loans totaling $762.9M have been approved for nursery and garden centers businesses (NAICS 444220). The average approved SBA loan is $283K, which is 17% below avg the $340K national average. 589 active lenders fund this industry with a 16.5% default rate on the matured 2018-2021 loan cohort.
At 16.5%, Nursery and Garden Centers 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 444220 (Nursery and Garden Centers) received 2,697 SBA loans worth $762.9M across 5+ states. Average loan $283K, average term 129 months, 16.5% default rate (resolved-loan basis).589 active SBA-approved lenders fund this industry. Most nursery and garden centers loans use the SBA 7(a) program. There are approximately 13,444 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Nursery and Garden Centers?-90% decline
Which SBA Program Do Nursery and Garden Centers Businesses Use Most?
What Is the Best SBA Loan for Nursery and Garden Centers?
The most widely used SBA program for nursery and garden centers businesses — flexible terms, multiple use cases
Where Are Nursery and Garden Centers SBA Loans Most Common?
Top SBA Lenders for Nursery and Garden Centers
These banks have funded the most SBA loans for nursery and garden centers businesses (NAICS 444220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 147 | $24.1M |
| 2 | Wells Fargo Bank National Association(SD) | 143 | $37.4M |
| 3 | Bank of America, National Association(NC) | 121 | $8.6M |
| 4 | U.S. Bank, National Association(OH) | 115 | $34.7M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 103 | $17.6M |
Nursery and Garden Centers Industry Context
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How Does SBA Lending Work for Nursery and Garden Centers Businesses?
Across all SBA loan programs, 2,697 loans have been approved for businesses classified under NAICS 444220 (Nursery and Garden Centers), representing $762.9M in total capital deployed. The average approved loan of $283K is 17% below avg the national SBA average of $340K, with typical repayment terms of 129 months.
SBA lending for nursery and garden centers has contracted approximately 90% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 589 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 10% 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 nursery and garden centers 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 — Nursery and Garden Centers SBA Loans
What is the average SBA loan size for nursery and garden centers businesses?
Which SBA loan program is best for a nursery and garden centers business?
How many lenders fund SBA loans for nursery and garden centers?
What states have the most SBA lending for nursery and garden centers?
How does PeerSense help nursery and garden centers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Nursery and Garden Centers defined by NAICS code 444220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.