Retail & Shops · lender intelligence
How to finance a 1-800-Flowers.com
The SBA 7(a) lenders funding the most 1-800-Flowers.com deals, ranked from public loan records — typical 1-800-Flowers.com loan about $490K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance 1-800-Flowers.com
$490K
Typical loan
range $250K–$2.56M
$544K
Est. purchase price
≈ loan ÷ 90%
$72,819
Cash to close
$54,444 down + fees
$6,340/mo
Typical payment
~9.5% · 10yr
$87,492/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
3
Lenders competing
more = leverage
6.81%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with 1-800-Flowers.com
Ranked by funded 1-800-Flowers.com loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.284 loans · $254M · Cincinnati, OHFull record →
- 2.159 loans · $307M · Garden Grove, CAFull record →
4+ funded 1-800-Flowers.com deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
Buying a 1-800-Flowers.com? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to 1-800-Flowers.com businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a 1-800-Flowers.com purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Fifth Third Bank funds the most. CapBench is not a lender.
- $490K typical 1-800-Flowers.com loan
- 3 lenders fund the brand
- 17 days typical to fund
Buyers researching a 1-800-Flowers.com typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.