Retail & Shops · lender intelligence

How to finance a Flowerama

State:

The SBA 7(a) lenders funding the most Flowerama deals, ranked from public loan records — typical Flowerama loan about $615K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Flowerama

$615K

Typical loan

range $125K–$693K

$683K

Est. purchase price

≈ loan ÷ 90%

$91,396

Cash to close

$68,333 down + fees

$7,958/mo

Typical payment

~9.5% · 10yr

$109,820/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

7 days

Typical time to fund

Lenders competing

more = leverage

7.88%

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 Flowerama

Ranked by funded Flowerama loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.20 loans · $10M · Newark, OHFull record →
2.1 loans · $0M · Edmond, OKFull record →
3.54 loans · $15M · University Park, TXFull record →

6+ funded Flowerama 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.

BZ Group LLC in Reynoldsburg, OH — $1.6M (2026) · The Park National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Florists
Funded by The Park National Bank · Lender record →
Your business? Claim this record · Request removal
BZ Group LLC in Reynoldsburg, OH — $125K (2026) · The Park National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$63K (50%)
Approved
1/28/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Florists
Funded by The Park National Bank · Lender record →
Your business? Claim this record · Request removal
2KM Floral LLC in Warr Acres, OK — $693K (2025) · The Citizens Bank of Edmond
Program
7a General
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$520K (75%)
Approval → funding
33 days
Approved
3/26/2025
First disbursed
4/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Florists
Funded by The Citizens Bank of Edmond · Lender record →
Your business? Claim this record · Request removal
2KM Floral LLC in Warr Acres, OK — $150K (2025) · The Citizens Bank of Edmond
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
7 days
Approved
4/22/2025
First disbursed
4/29/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Florists
Funded by The Citizens Bank of Edmond · Lender record →
Your business? Claim this record · Request removal
Lion & Lily, LLC in San Antonio, TX — $615K (2022) · purchase · PlainsCapital Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$461K (75%)
Approval → funding
4 days
Approved
8/8/2022
First disbursed
8/12/2022
Loan status
Current
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
$683K
Est. down payment (10%)
$68K
Est. cash at closing
$91K
Monthly payment
$7,062
Annual debt service
$85K
Cash flow needed (1.25×)
$106K
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 PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal
Lion & Lily, LLC in San Antonio, TX — $50K (2022) · PlainsCapital Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
4 days
Approved
8/8/2022
First disbursed
8/12/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Florists
Funded by PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Flowerama? 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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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Flowerama businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Flowerama 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. The Park National Bank funds the most. CapBench is not a lender.

$615K typical Flowerama loan
3 lenders fund the brand
7 days typical to fund

Buyers researching a Flowerama 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.

Next steps

Pre-qualify this deal Talk to a loan broker Flowerama record

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.
Canonical:: https://www.capbench.com/lenders/franchise/flowerama
API:: https://www.capbench.com/api/public/lenders?franchise=flowerama
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.