Lender intelligence
Financing a florists acquisition in Massachusetts
The SBA 7(a) lenders funding the most florists acquisitions in Massachusetts, 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 Massachusetts
$158K
Typical loan
range $111K–$405K
$175K
Est. purchase price
≈ loan ÷ 90%
$23,407
Cash to close
$17,500 down + fees
$2,305/mo
Typical payment
~12.5% · 10yr
$31,809/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
8 days
Typical time to fund
3
Lenders competing
more = leverage
5.25%
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 · Massachusetts
Ranked by funded florists acquisitions in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.19 loans · $5M · Salem, MAFull record →
- 2.1 loans · $0M · Newburyport, MAFull record →
3+ funded Florists in Massachusetts 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.
- Carole's Flowers LLC in Plymouth, MA — $158K (2023) · purchase · Mechanics Cooperative Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $118K (75%)
- Approval → funding
- 8 days
- Approved
- 12/27/2022
- First disbursed
- 1/4/2023
- Loan status
- Current
- 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
- $175K
- Est. down payment (10%)
- $18K
- Est. cash at closing
- $23K
- Monthly payment
- $2,377
- 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 Mechanics Cooperative Bank
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- Zaki Mina, Inc. in West Roxbury, MA — $405K (2021) · purchase · Salem Five Cents Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $304K (75%)
- Approval → funding
- 6 days
- Approved
- 9/22/2021
- First disbursed
- 9/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $450K
- Est. down payment (10%)
- $45K
- Est. cash at closing
- $60K
- Monthly payment
- $5,536
- Annual debt service
- $66K
- Cash flow needed (1.25×)
- $83K
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 Salem Five Cents Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Lisa Greene Design, LLC in Georgetown, MA — $111K (2021) · purchase · Newburyport Five Cents Savings Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.75% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $56K (50%)
- Approval → funding
- 110 days
- Approved
- 11/10/2020
- First disbursed
- 2/28/2021
- 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
- $124K
- Est. down payment (10%)
- $12K
- Est. cash at closing
- $16K
- Monthly payment
- $1,559
- Annual debt service
- $19K
- 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 Newburyport Five Cents Savings Bank · Lender record →
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Financing a florists deal in Massachusetts? 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 Massachusetts project address.
Agent summary
How to finance a florists acquisition in Massachusetts with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Massachusetts deals. Salem Five Cents Savings Bank funds the most here. CapBench is not a lender.
- $332K typical loan
- 3 lenders active in Massachusetts
- 3+ funded Massachusetts deals
- 8 days typical to fund
Buyers buying a florists in Massachusetts 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.