1-800-Flowers.com, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0004)
4 deals since 2020 · typical deal $490K
4
Deals since 2020
$490K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for 1-800-Flowers.com
Most 1-800-Flowers.com deals financed between $250K and $2.56M. Above $2.56M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,408
- Down payment (10%)
- $54K
- Cash to close (all-in)
- $73K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$73K)
Experience
Recent financings
- JOOLOVE GARDEN in Los Angeles, CA — $490K (2024) · US Metro Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 114 months
- SBA guaranteed
- $368K (75%)
- Approved
- 8/16/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Florists
Funded by US Metro Bank · Lender record →
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- Avance Management Inc in Allen, TX — $2.6M (2021) · purchase · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.5% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $2.3M (90%)
- Approval → funding
- 17 days
- Approved
- 9/17/2021
- First disbursed
- 10/4/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $2.8M
- Est. down payment (10%)
- $285K
- Est. cash at closing
- $393K
- Monthly payment
- $17,453
- Annual debt service
- $209K
- Cash flow needed (1.25×)
- $262K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
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- Avance Management Inc in Allen, TX — $250K (2021) · Fifth Third Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 13 days
- Approved
- 9/17/2021
- First disbursed
- 9/30/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Florists
Funded by Fifth Third Bank · Lender record →
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- Rose Cart Inc. in Sunnyvale, CA — $150K (2020) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 25 days
- Approved
- 3/6/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Florists
Funded by JPMorgan Chase Bank, National Association · Lender record →
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Who funds 1-800-Flowers.com — and where
Every dot is a financed 1-800-Flowers.com — 4 mapped.
Financed 1-800-Flowers.com locations — list all 4 as text
- JOOLOVE GARDEN — Los Angeles · $490K · FY2024 · Florists
- Rose Cart Inc. — Sunnyvale · $150K · FY2020 · Florists
- Avance Management Inc — Allen · $2.6M · FY2021 · Florists
- Avance Management Inc — Allen · $250K · FY2021 · Florists
Top lenders for this brand
Most active states
- 1.California (2 loans)
- 2.Texas (2 loans)
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Common questions
How much does a 1-800-Flowers.com cost to buy or open?
The typical deal for 1-800-Flowers.com is $490K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $54K of buyer cash on a typical deal.
How risky is 1-800-Flowers.com?
1-800-Flowers.com has 4 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a 1-800-Flowers.com with an SBA loan?
Yes — 1-800-Flowers.com has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a 1-800-Flowers.com franchise
Most 1-800-Flowers.com buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical 1-800-Flowers.com deal financed for $490K, which points to about $54K of buyer cash on a typical purchase. 1-800-Flowers.com is listed in the SBA Franchise Directory (identifier S0004), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund 1-800-Flowers.com — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for 1-800-Flowers.com — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for 1-800-Flowers.com — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. 1-800-Flowers.com is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $490K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0004)
- Top lenders: Fifth Third Bank, US Metro Bank, JPMorgan Chase Bank, National Association
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with 1-800-Flowers.com.