Industry · lender intelligence

Financing a floriculture production acquisition

State:

The SBA 7(a) lenders funding the most floriculture production acquisitions, ranked from public loan records — typical deal about $761K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance floriculture production

$484K

Typical loan

range $50K–$800K

$538K

Est. purchase price

≈ loan ÷ 90%

$71,928

Cash to close

$53,778 down + fees

$6,263/mo

Typical payment

~9.5% · 10yr

$86,429/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

7.61%

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 in floriculture production

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.46 loans · $27M · Sartell, MNFull record →
3.19 loans · $5M · Bessemer, ALFull record →
4.2 loans · $0M · Saint Paul, MNFull record →
5.6 loans · $4M · Defiance, OHFull record →
6.1 loans · $0M · Neenah, WIFull record →

8+ funded floriculture production 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.

THE PLANT PEOPLE, INC. in Green Bay, WI — $655K (2025) · purchase · Community First CU
Program
Preferred Lenders Program
Rate at approval
7.85% variable
Term
120 mo (10 yrs)
SBA guaranteed
$491K (75%)
Approval → funding
15 days
Approved
8/4/2025
First disbursed
8/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$728K
Est. down payment (10%)
$73K
Est. cash at closing
$97K
Monthly payment
$7,895
Annual debt service
$95K
Cash flow needed (1.25×)
$118K
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 Community First CU · Lender record →
Your business? Claim this record · Request removal
Holwerda Growers, LLC in Holland, MI — $800K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
228 mo (19 yrs)
SBA guaranteed
$600K (75%)
Approval → funding
18 days
Approved
11/4/2023
First disbursed
11/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$889K
Est. down payment (10%)
$89K
Est. cash at closing
$122K
Monthly payment
$7,084
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
London House Florist and Nursery, LLC in London, OH — $484K (2024) · purchase · The State Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
9.25% fixed
Term
186 months
SBA guaranteed
$363K (75%)
Approval → funding
13 days
Approved
2/13/2024
First disbursed
2/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$538K
Est. down payment (10%)
$54K
Est. cash at closing
$72K
Monthly payment
$4,907
Annual debt service
$59K
Cash flow needed (1.25×)
$74K
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 The State Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Pearwood Gardens LLC in Aurora, MO — $416K (2024) · purchase · First Independent Bank
Program
7a General
Rate at approval
10.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$312K (75%)
Approval → funding
20 days
Approved
11/10/2023
First disbursed
11/30/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$462K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$3,923
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 First Independent Bank
Your business? Claim this record · Request removal
Holwerda Growers, LLC in Holland, MI — $50K (2024) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
30 days
Approved
11/4/2023
First disbursed
12/4/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$647
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Willow Creek Farm Center, LLC in Midland, NC — $990K (2021) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
5.55% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$891K (90%)
Approval → funding
17 days
Approved
7/2/2021
First disbursed
7/19/2021
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$151K
Monthly payment
$6,838
Annual debt service
$82K
Cash flow needed (1.25×)
$103K
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 First Financial Bank · Lender record →
Your business? Claim this record · Request removal
Meg's Perennials & Marketplace LLC in Hermantown, MN — $39K (2021) · purchase · Affinity Plus FCU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$29K (75%)
Approval → funding
1 days
Approved
9/14/2021
First disbursed
9/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$43K
Est. down payment (10%)
$4K
Est. cash at closing
$6K
Monthly payment
$551
Annual debt service
$7K
Cash flow needed (1.25×)
$8K
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 Affinity Plus FCU · Lender record →
Your business? Claim this record · Request removal
SOUTH METRO GROWERS LLC in Lakeville, MN — $30K (2021) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$23K (75%)
Approval → funding
15 days
Approved
2/1/2021
First disbursed
2/16/2021
Loan status
Paid in full (2/28/2026)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Floriculture Production
If you were the buyer here
Est. deal size
$33K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$315
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 BankVista · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a floriculture production acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

$761K typical loan
7 lenders fund the industry
17 days typical to fund

Buyers researching a floriculture production deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/industry/floriculture-production
API:: https://www.capbench.com/api/public/lenders?industry=floriculture-production
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.