Lender intelligence
Financing a florists acquisition in Minnesota
The SBA 7(a) lenders funding the most florists acquisitions in Minnesota, 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 Minnesota
$231K
Typical loan
range $158K–$244K
$257K
Est. purchase price
≈ loan ÷ 90%
$34,330
Cash to close
$25,667 down + fees
$3,381/mo
Typical payment
~12.5% · 10yr
$46,658/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
7 days
Typical time to fund
4
Lenders competing
more = leverage
6.3%
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 · Minnesota
Ranked by funded florists acquisitions in Minnesota. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.34 loans · $19M · Arden Hills, MNFull record →
- 2.46 loans · $27M · Sartell, MNFull record →
5+ funded Florists in Minnesota 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.
- Infinity Floral in Osseo, MN — $244K (2026) · purchase · Frandsen Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $183K (75%)
- Approved
- 2/23/2026
- Loan status
- Committed
- 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
- $271K
- Est. down payment (10%)
- $27K
- Est. cash at closing
- $36K
- Monthly payment
- $3,157
- Annual debt service
- $38K
- Cash flow needed (1.25×)
- $47K
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 Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- TWIN CITIES FLORAL INC in Saint Paul, MN — $65K (2023) · purchase · BankVista
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $55K (85%)
- Approval → funding
- 7 days
- Approved
- 1/26/2023
- First disbursed
- 2/2/2023
- Loan status
- Current
- 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
- $72K
- Est. down payment (10%)
- $7K
- Est. cash at closing
- $9K
- Monthly payment
- $1,295
- Annual debt service
- $16K
- Cash flow needed (1.25×)
- $19K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
- PetalPros LLC in Minneapolis, MN — $340K (2021) · purchase · Scale Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 3.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $255K (75%)
- Approval → funding
- 5 days
- Approved
- 3/26/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (2/28/2023)
- 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
- $378K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $3,402
- Annual debt service
- $41K
- Cash flow needed (1.25×)
- $51K
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 Scale Bank · Lender record →
Your business? Claim this record · Request removal
- Plants by Design, Inc. in Saint Paul, MN — $231K (2021) · purchase · Frandsen Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $208K (90%)
- Approval → funding
- 2 days
- Approved
- 2/2/2021
- First disbursed
- 2/4/2021
- 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
- $257K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $34K
- Monthly payment
- $2,507
- Annual debt service
- $30K
- Cash flow needed (1.25×)
- $38K
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 Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- Addie Lane Floral & Gifts LLC in Blaine, MN — $158K (2020) · purchase · Village Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $118K (75%)
- Approval → funding
- 37 days
- Approved
- 8/24/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- 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
- $1,709
- 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 Village Bank · Lender record →
Your business? Claim this record · Request removal
Financing a florists deal in Minnesota? 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 Minnesota project address.
Agent summary
How to finance a florists acquisition in Minnesota with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Minnesota deals. Frandsen Bank and Trust funds the most here. CapBench is not a lender.
- $332K typical loan
- 4 lenders active in Minnesota
- 5+ funded Minnesota deals
- 7 days typical to fund
Buyers buying a florists in Minnesota 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.