Lender intelligence
Financing a florists acquisition in Alabama
The SBA 7(a) lenders funding the most florists acquisitions in Alabama, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance florists in Alabama
$184K
Typical loan
range $150K–$1.26M
$204K
Est. purchase price
≈ loan ÷ 90%
$27,344
Cash to close
$20,444 down + fees
$2,693/mo
Typical payment
~12.5% · 10yr
$37,163/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
40 days
Typical time to fund
3
Lenders competing
more = leverage
9%
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 florists · Alabama
Ranked by funded florists acquisitions in Alabama. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.20 loans · $21M · Miami, FLFull record →
- 2.46 loans · $47M · Asheville, NCFull record →
- 3.5 loans · $11M · Birmingham, ALFull record →
3+ funded Florists in Alabama 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.
- Belle Bouquet Florist and More LLC in Saraland, AL — $1.3M (2024) · purchase · Banesco USA
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $945K (75%)
- Approval → funding
- 10 days
- Approved
- 9/17/2024
- First disbursed
- 9/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $140K
- Est. cash at closing
- $192K
- Monthly payment
- $14,321
- Annual debt service
- $172K
- Cash flow needed (1.25×)
- $215K
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 Banesco USA · Lender record →
Your business? Claim this record · Request removal
- Auburn Flowers & Gifts in Auburn, AL — $184K (2024) · purchase · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $138K (75%)
- Approval → funding
- 47 days
- Approved
- 3/14/2024
- First disbursed
- 4/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $204K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $2,483
- Annual debt service
- $30K
- Cash flow needed (1.25×)
- $37K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- Blackberry and Bay LLC in Mobile, AL — $150K (2020) · purchase · ServisFirst Bank
- Program
- 7a General
- Rate at approval
- 5.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 40 days
- Approved
- 8/21/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $2,865
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $43K
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 ServisFirst Bank · Lender record →
Your business? Claim this record · Request removal
Financing a florists deal in Alabama? Start with the right lender
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to florists businesses with a Alabama project address.
Agent summary
How to finance a florists acquisition in Alabama with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Alabama deals. Banesco USA funds the most here. CapBench is not a lender.
- $332K typical loan
- 3 lenders active in Alabama
- 3+ funded Alabama deals
- 40 days typical to fund
Buyers buying a florists in Alabama typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- 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.