SBA Loans for Florists
5,805 SBA loans have funded florists nationwide, averaging $114K across 946 active SBA lenders, at an average note rate of 6.6%. SBA 7(a) loans up to $5M fund acquiring a flower shop and coolers, vehicles, and store equipment; SBA 504 loans cover owner occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and sources capital for a flower shop.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 453110), 2000 to present.
5,805
SBA Loans Funded
$114K
Average Loan
6.6%
Avg Note Rate
9 yrs
Avg Term
946
Active Lenders
20.8%
Charge Off Rate (resolved loan basis)
What florists use SBA loans for
Where florists get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 527 | $82.8M |
| Texas | 385 | $58.7M |
| New York | 358 | $31.4M |
| Pennsylvania | 318 | $29.7M |
| Ohio | 260 | $25.6M |
Talk to PeerSense about SBA capital for a flower shop.
Tell us your loan amount and use of funds. PeerSense sources capital for a flower shop, anywhere in the US.
SBA 7(a) / 504, Florists: The desk will reach out. No obligation.
How florists qualify for an SBA loan
SBA 7(a) loans are the most common path for florists financing acquiring a flower shop. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner occupied real estate and heavy equipment, typically at 10% down.
With 5,805 loans on record across 946 lenders and a 20.8% historical charge off rate, florists are a well understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and sources capital through a curated network, then stays with you through closing.