Lender intelligence
Financing a florists acquisition in Illinois
The SBA 7(a) lenders funding the most florists acquisitions in Illinois, 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 Illinois
$200K
Typical loan
range $80K–$262K
$222K
Est. purchase price
≈ loan ÷ 90%
$29,722
Cash to close
$22,222 down + fees
$2,928/mo
Typical payment
~12.5% · 10yr
$40,406/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
13 days
Typical time to fund
4
Lenders competing
more = leverage
8.55%
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 · Illinois
Ranked by funded florists acquisitions in Illinois. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.242 loans · $281M · Chicago, ILFull record →
5+ funded Florists in Illinois 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.
- HERITAGE HOUSE HOLDINGS LLC in Downers Grove, IL — $262K (2024) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $196K (75%)
- Approval → funding
- 3 days
- Approved
- 10/24/2023
- First disbursed
- 10/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $291K
- Est. down payment (10%)
- $29K
- Est. cash at closing
- $39K
- Monthly payment
- $3,606
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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 →
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- HERITAGE HOUSE HOLDINGS LLC in Downers Grove, IL — $75K (2024) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approved
- 10/24/2023
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $83K
- Est. down payment (10%)
- $8K
- Est. cash at closing
- $11K
- Monthly payment
- $1,033
- Annual debt service
- $12K
- Cash flow needed (1.25×)
- $15K
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
- BLOOMING CITY BY EY FLORAL LLC in Chicago, IL — $275K (2023) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 1 days
- Approved
- 4/6/2023
- First disbursed
- 4/7/2023
- 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
- $306K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $3,749
- Annual debt service
- $45K
- Cash flow needed (1.25×)
- $56K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
- One Rose LLC in Pekin, IL — $80K (2022) · purchase · Morton Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% fixed
- Term
- 86 months
- SBA guaranteed
- $40K (50%)
- Approval → funding
- 13 days
- Approved
- 2/22/2022
- First disbursed
- 3/7/2022
- Loan status
- Paid in full (6/30/2025)
- 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
- $89K
- Est. down payment (10%)
- $9K
- Est. cash at closing
- $11K
- Monthly payment
- $1,090
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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 Morton Community Bank · Lender record →
Your business? Claim this record · Request removal
- 1 North 1 South LLC in Libertyville, IL — $200K (2020) · purchase · Lake Forest Bank & Trust Company, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approval → funding
- 40 days
- Approved
- 5/21/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,171
- Annual debt service
- $26K
- Cash flow needed (1.25×)
- $33K
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 Forest Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
Financing a florists deal in Illinois? 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 Illinois project address.
Agent summary
How to finance a florists acquisition in Illinois with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Illinois deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $332K typical loan
- 4 lenders active in Illinois
- 5+ funded Illinois deals
- 13 days typical to fund
Buyers buying a florists in Illinois 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 2026-06-17.
- 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.