Lender intelligence
Financing a florists acquisition in Maryland
The SBA 7(a) lenders funding the most florists acquisitions in Maryland, 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 Maryland
$113K
Typical loan
range $20K–$158K
$126K
Est. purchase price
≈ loan ÷ 90%
$16,172
Cash to close
$12,556 down + fees
$1,654/mo
Typical payment
~12.5% · 10yr
$22,825/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
19 days
Typical time to fund
2
Lenders competing
more = leverage
6.5%
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 · Maryland
Ranked by funded florists acquisitions in Maryland. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,927 loans · $207M · Buffalo, NYFull record →
- 2.62 loans · $21M · Saint Cloud, MNFull record →
3+ funded Florists in Maryland 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.
- SWAN COVE FLOWERS LLC in Saint Michaels, MD — $113K (2022) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.25% variable
- Term
- 87 months
- SBA guaranteed
- $57K (50%)
- Approval → funding
- 19 days
- Approved
- 4/15/2022
- First disbursed
- 5/4/2022
- Loan status
- In liquidation
- 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
- $126K
- Est. down payment (10%)
- $13K
- Est. cash at closing
- $16K
- Monthly payment
- $1,619
- Annual debt service
- $19K
- Cash flow needed (1.25×)
- $24K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- SWAN COVE FLOWERS LLC in Saint Michaels, MD — $20K (2022) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 113 months
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 31 days
- Approved
- 4/15/2022
- First disbursed
- 5/16/2022
- Loan status
- In liquidation
- 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
- $22K
- Est. down payment (10%)
- $2K
- Est. cash at closing
- $3K
- Monthly payment
- $245
- Annual debt service
- $3K
- Cash flow needed (1.25×)
- $4K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- SAM CLINTON FLORAL LLC in Centreville, MD — $158K (2021) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $142K (90%)
- Approval → funding
- 7 days
- Approved
- 9/23/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (4/30/2024)
- 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
- $176K
- Est. down payment (10%)
- $18K
- Est. cash at closing
- $23K
- Monthly payment
- $1,754
- Annual debt service
- $21K
- Cash flow needed (1.25×)
- $26K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Financing a florists deal in Maryland? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to florists businesses with a Maryland project address.
Agent summary
How to finance a florists acquisition in Maryland with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Maryland deals. Manufacturers and Traders Trust Company funds the most here. CapBench is not a lender.
- $332K typical loan
- 2 lenders active in Maryland
- 3+ funded Maryland deals
- 19 days typical to fund
Buyers buying a florists in Maryland 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 2026-06-24.
- 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.