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 matches you to the lender most likely to fund 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 |
SBA lenders active with florists
Ranked by real SBA funding activity in California, the top state for florists. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a flower shop.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a flower shop, anywhere in the US.
SBA 7(a) / 504, Florists: Response within 24–48 hours. 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 routes your deal to the lender most likely to approve and price it, then stays with you through closing.