Lender intelligence

Financing a florists acquisition in Michigan

State:

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

$270K

Typical loan

range $150K–$515K

$300K

Est. purchase price

≈ loan ÷ 90%

$40,125

Cash to close

$30,000 down + fees

$3,719/mo

Typical payment

~11% · 10yr

$51,322/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

Lenders competing

more = leverage

8.85%

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 · Michigan

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.7 loans · $9M · Ann Arbor, MIFull record →
3.2 loans · $2M · Saginaw, MIFull record →

6+ funded Florists in Michigan 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.

Steven Poulias LLC in Muskegon, MI — $600K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.6% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
36 days
Approved
5/21/2025
First disbursed
6/26/2025
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
$666K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$4,472
Annual debt service
$54K
Cash flow needed (1.25×)
$67K
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
The Flower Project LLC in Birmingham, MI — $515K (2025) · purchase · University Bank
Program
7a General
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$386K (75%)
Approval → funding
10 days
Approved
10/11/2024
First disbursed
10/21/2024
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
$572K
Est. down payment (10%)
$57K
Est. cash at closing
$77K
Monthly payment
$6,525
Annual debt service
$78K
Cash flow needed (1.25×)
$98K
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 University Bank · Lender record →
Your business? Claim this record · Request removal
Floral Legacy at the Flower Station, LLC in Traverse City, MI — $270K (2024) · purchase · Team One CU
Program
7a General
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
7 days
Approved
1/24/2024
First disbursed
1/31/2024
Loan status
Current
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
$300K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,719
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 Team One CU · Lender record →
Your business? Claim this record · Request removal
RCL FLORAL DESIGNS, LLC in Saint Johns, MI — $150K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
114 days
Approved
8/26/2024
First disbursed
12/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,024
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Artistry LLC in East Lansing, MI — $220K (2023) · purchase · Flagstar Bank National Association
Program
7a General
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$165K (75%)
Approval → funding
12 days
Approved
7/26/2023
First disbursed
8/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$244K
Est. down payment (10%)
$24K
Est. cash at closing
$33K
Monthly payment
$2,817
Annual debt service
$34K
Cash flow needed (1.25×)
$42K
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 Flagstar Bank National Association
Your business? Claim this record · Request removal
Williams Collective, LLC in Dearborn, MI — $110K (2022) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
90 months
SBA guaranteed
$83K (75%)
Approval → funding
3 days
Approved
1/4/2022
First disbursed
1/7/2022
Loan status
Failed — $99K charged off (1/14/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$122K
Est. down payment (10%)
$12K
Est. cash at closing
$16K
Monthly payment
$1,508
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Financing a florists deal in Michigan? 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 Michigan project address.

Agent summary

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

$332K typical loan
4 lenders active in Michigan
6+ funded Michigan deals
12 days typical to fund

Buyers buying a florists in Michigan 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 2026-06-19.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/florists/michigan
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.