Lender intelligence

Financing a florists acquisition in California

State:

The SBA 7(a) lenders funding the most florists acquisitions in California, 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 California

$365K

Typical loan

range $239K–$470K

$405K

Est. purchase price

≈ loan ÷ 90%

$54,184

Cash to close

$40,511 down + fees

$4,718/mo

Typical payment

~9.5% · 10yr

$65,108/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

8.88%

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 in florists · California

Ranked by funded florists acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.20 loans · $9M · Fresno, CAFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →

8+ funded Florists in California 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.

SAN LUIS FLORAL LLC in Pismo Beach, CA — $223K (2026) · purchase · Community West Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
123 months
SBA guaranteed
$167K (75%)
Approved
3/31/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$248K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$2,722
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 West Bank · Lender record →
Your business? Claim this record · Request removal
Gogo and Co. LLC in Oakhurst, CA — $216K (2026) · purchase · Community West Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
123 months
SBA guaranteed
$162K (75%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$240K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,639
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
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 West Bank · Lender record →
Your business? Claim this record · Request removal
Flancrest Enterprises, Inc. in Yorba Linda, CA — $377K (2025) · purchase · FFB Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$283K (75%)
Approval → funding
68 days
Approved
4/11/2025
First disbursed
6/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$419K
Est. down payment (10%)
$42K
Est. cash at closing
$56K
Monthly payment
$4,878
Annual debt service
$59K
Cash flow needed (1.25×)
$73K
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 FFB Bank · Lender record →
Your business? Claim this record · Request removal
1-800-FLOWERS/CONROY'S in San Diego, CA — $340K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
7 days
Approved
11/12/2024
First disbursed
11/19/2024
Loan status
Paid in full (8/31/2025)
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
$378K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,586
Annual debt service
$55K
Cash flow needed (1.25×)
$69K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Rancho Mirage Florist in Rancho Mirage, CA — $470K (2024) · purchase · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.73% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$353K (75%)
Approval → funding
33 days
Approved
1/11/2024
First disbursed
2/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
9
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$522K
Est. down payment (10%)
$52K
Est. cash at closing
$70K
Monthly payment
$6,141
Annual debt service
$74K
Cash flow needed (1.25×)
$92K
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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
F Designs LLC in Los Angeles, CA — $493K (2023) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$369K (75%)
Approval → funding
27 days
Approved
4/7/2023
First disbursed
5/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$547K
Est. down payment (10%)
$55K
Est. cash at closing
$73K
Monthly payment
$6,373
Annual debt service
$76K
Cash flow needed (1.25×)
$96K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Living Art LLC in Santa Clara, CA — $365K (2023) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$273K (75%)
Approval → funding
14 days
Approved
11/22/2022
First disbursed
12/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$405K
Est. down payment (10%)
$41K
Est. cash at closing
$54K
Monthly payment
$4,159
Annual debt service
$50K
Cash flow needed (1.25×)
$62K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Sun Country Flowers LLC in Shafter, CA — $239K (2022) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$179K (75%)
Approval → funding
2 days
Approved
9/21/2022
First disbursed
9/23/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$266K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$2,931
Annual debt service
$35K
Cash flow needed (1.25×)
$44K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal

Financing a florists deal in California? Start with the right lender

We'll point you to the SBA lenders already funding your industry in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

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 acquisition loans to florists businesses with a California project address.

Agent summary

How to finance a florists acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. Community West Bank funds the most here. CapBench is not a lender.

$332K typical loan
6 lenders active in California
8+ funded California deals
27 days typical to fund

Buyers buying a florists in California typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All florists lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/florists/california
API:: https://www.capbench.com/api/public/lenders?industry=florists
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.