Lender intelligence
Financing a florists acquisition in Florida
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
$7,532/mo
Typical payment
~9.75% · 10yr
$103,942/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
20 days
Typical time to fund
7
Lenders competing
more = leverage
7.82%
Avg rate on record
cap ~10.00%
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.
- 1.19 loans · $18M · Grand Rapids, MIFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
- 3.168 loans · $205M · Fishers, INFull record →
- 4.291 loans · $320M · Laguna Hills, CAFull record →
- 5.3 loans · $4M · Sarasota, FLFull record →
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 →
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- 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
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- 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
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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. Lake Michigan CU funds the most here. 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-12.
- 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.