Lender intelligence

Financing a florists acquisition in Florida

State:

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

$576K

Typical loan

range $250K–$1.10M

$640K

Est. purchase price

≈ loan ÷ 90%

$85,600

Cash to close

$64,000 down + fees

$7,453/mo

Typical payment

~9.5% · 10yr

$102,851/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

7.82%

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 · Florida

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

Not enough public florists loan history in Florida to rank lenders yet. See florists lenders nationwide →

7+ funded Florists in Florida 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.

A Crooked Stem Flowers & Gifts LLC in Deland, FL — $250K (2024) · purchase · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
25 days
Approved
9/13/2024
First disbursed
10/8/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$2,405
Annual debt service
$29K
Cash flow needed (1.25×)
$36K
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 Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
Apopka Florist LLC in Apopka, FL — $350K (2023) · purchase · Bank of Central Florida
Program
7a General
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
19 days
Approved
12/16/2022
First disbursed
1/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,577
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 Bank of Central Florida
Your business? Claim this record · Request removal
IN BLOOM FLORIST LLC in Orlando, FL — $4.5M (2022) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.3M (75%)
Approval → funding
7 days
Approved
9/26/2022
First disbursed
10/3/2022
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
46
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$4.9M
Est. down payment (10%)
$494K
Est. cash at closing
$684K
Monthly payment
$53,405
Annual debt service
$641K
Cash flow needed (1.25×)
$801K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Fort Myers Flower House in Fort Myers, FL — $1.1M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$825K (75%)
Approval → funding
2 days
Approved
9/12/2022
First disbursed
9/14/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$122K
Est. cash at closing
$168K
Monthly payment
$13,057
Annual debt service
$157K
Cash flow needed (1.25×)
$196K
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
Shuel Enterprises, Inc. in Englewood, FL — $709K (2022) · purchase · Gulfside Bank
Program
7a General
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$532K (75%)
Approval → funding
0 days
Approved
10/7/2021
First disbursed
10/7/2021
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$788K
Est. down payment (10%)
$79K
Est. cash at closing
$108K
Monthly payment
$4,042
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
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 Gulfside Bank · Lender record →
Your business? Claim this record · Request removal
PARADISE BEACH FLOWERS AND GIFTS INC in Indialantic, FL — $125K (2022) · purchase · ELGA Credit Union
Program
7a General
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$106K (85%)
Approval → funding
20 days
Approved
9/28/2022
First disbursed
10/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$139K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,533
Annual debt service
$18K
Cash flow needed (1.25×)
$23K
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 ELGA Credit Union
Your business? Claim this record · Request removal
South Florals DC, LLC in Boca Raton, FL — $576K (2021) · purchase · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$518K (90%)
Approval → funding
26 days
Approved
5/6/2021
First disbursed
6/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$640K
Est. down payment (10%)
$64K
Est. cash at closing
$86K
Monthly payment
$6,395
Annual debt service
$77K
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 Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal

Financing a florists deal in Florida? 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 Florida project address.

Agent summary

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

$332K typical loan
7 lenders active in Florida
7+ funded Florida deals
20 days typical to fund

Buyers buying a florists in Florida 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/florists/florida
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.