Lender intelligence

Financing a florists acquisition in Iowa

State:

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

$184K

Typical loan

range $73K–$191K

$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

51 days

Typical time to fund

Lenders competing

more = leverage

7.31%

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 · Iowa

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

1.4 loans · $2M · West Des Moines, IAFull record →
2.4 loans · $1M · Des Moines, IAFull record →
3.1 loans · $2M · Cedar Rapids, IAFull record →
4.4 loans · $1M · Avilla, INFull record →

6+ funded Florists in Iowa 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.

Boho Blooms, LLC in West Union, IA — $191K (2025) · purchase · Bank Iowa
Program
7a General
Rate at approval
6.85% variable
Term
299 months
SBA guaranteed
$143K (75%)
Approval → funding
82 days
Approved
3/26/2025
First disbursed
6/16/2025
Loan status
Current
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
$212K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$1,330
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
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 Iowa · Lender record →
Your business? Claim this record · Request removal
Boho Blooms, LLC in West Union, IA — $158K (2025) · purchase · Bank Iowa
Program
7a General
Rate at approval
7.5% variable
Term
119 months
SBA guaranteed
$118K (75%)
Approval → funding
82 days
Approved
3/26/2025
First disbursed
6/16/2025
Loan status
Current
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
$175K
Est. down payment (10%)
$18K
Est. cash at closing
$23K
Monthly payment
$1,880
Annual debt service
$23K
Cash flow needed (1.25×)
$28K
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 Iowa · Lender record →
Your business? Claim this record · Request removal
Stuart Flowers & Gifts in Stuart, IA — $184K (2024) · purchase · Bankers Trust Company
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
180 mo (15 yrs)
SBA guaranteed
$138K (75%)
Approval → funding
51 days
Approved
9/24/2024
First disbursed
11/14/2024
Loan status
Current
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
$204K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,120
Annual debt service
$25K
Cash flow needed (1.25×)
$32K
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 Bankers Trust Company · Lender record →
Your business? Claim this record · Request removal
Bridget Drey in Ida Grove, IA — $73K (2024) · purchase · United Bank of Iowa
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$62K (85%)
Approval → funding
23 days
Approved
12/6/2023
First disbursed
12/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
2
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$81K
Est. down payment (10%)
$8K
Est. cash at closing
$10K
Monthly payment
$584
Annual debt service
$7K
Cash flow needed (1.25×)
$9K
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 United Bank of Iowa
Your business? Claim this record · Request removal
HRG Project LLC in Ankeny, IA — $216K (2022) · purchase · BankIowa
Program
7a General
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$162K (75%)
Approval → funding
27 days
Approved
2/2/2022
First disbursed
3/1/2022
Loan status
Current
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
$2,239
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 BankIowa · Lender record →
Your business? Claim this record · Request removal
A C Floral in Albert City, IA — $33K (2020) · purchase · Community State Bank
Program
7a General
Rate at approval
6.25% variable
Term
144 mo (12 yrs)
SBA guaranteed
$26K (80%)
Approval → funding
20 days
Approved
6/10/2020
First disbursed
6/30/2020
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
4
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$36K
Est. down payment (10%)
$4K
Est. cash at closing
$5K
Monthly payment
$321
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 State Bank · Lender record →
Your business? Claim this record · Request removal

Financing a florists deal in Iowa? 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 Iowa project address.

Agent summary

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

$332K typical loan
5 lenders active in Iowa
6+ funded Iowa deals
51 days typical to fund

Buyers buying a florists in Iowa 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/iowa
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.