Lender intelligence
Financing a florists acquisition in New York
The SBA 7(a) lenders funding the most florists acquisitions in New York, 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 New York
$135K
Typical loan
range $65K–$206K
$150K
Est. purchase price
≈ loan ÷ 90%
$19,320
Cash to close
$15,000 down + fees
$1,976/mo
Typical payment
~12.5% · 10yr
$27,269/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
6
Lenders competing
more = leverage
6.94%
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 · New York
Ranked by funded florists acquisitions in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.17 loans · $4M · Ithaca, NYFull record →
- 2.16 loans · $7M · Norwich, NYFull record →
7+ funded Florists in New York 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.
- Harter Floral Co LLC in Perry, NY — $140K (2026) · purchase · Tompkins Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $70K (50%)
- Approved
- 3/17/2026
- Loan status
- Committed
- 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
- $155K
- Est. down payment (10%)
- $16K
- Est. cash at closing
- $20K
- Monthly payment
- $1,674
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $25K
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 Tompkins Community Bank · Lender record →
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- Harter Floral Co LLC in Perry, NY — $135K (2026) · purchase · Tompkins Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $101K (75%)
- Approved
- 3/18/2026
- Loan status
- Committed
- 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
- $150K
- Est. down payment (10%)
- $15K
- Est. cash at closing
- $19K
- Monthly payment
- $1,108
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $17K
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 Tompkins Community Bank · Lender record →
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- The Flower Cottage, LLC in Hopewell Junction, NY — $65K (2024) · purchase · NBT Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $33K (50%)
- Approval → funding
- 17 days
- Approved
- 12/1/2023
- First disbursed
- 12/18/2023
- 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
- $72K
- Est. down payment (10%)
- $7K
- Est. cash at closing
- $9K
- Monthly payment
- $1,334
- 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 NBT Bank, National Association · Lender record →
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- Pittsford Florist, Inc in Fairport, NY — $207K (2023) · purchase · Genesee Regional Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $155K (75%)
- Approval → funding
- 2 days
- Approved
- 8/30/2023
- First disbursed
- 9/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $230K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $3,436
- Annual debt service
- $41K
- Cash flow needed (1.25×)
- $52K
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 Genesee Regional Bank · Lender record →
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- Sam and Sophie, LLC in Wynantskill, NY — $206K (2022) · purchase · Rhinebeck Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.83% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $103K (50%)
- Approval → funding
- 15 days
- Approved
- 11/4/2021
- First disbursed
- 11/19/2021
- Loan status
- Paid in full (9/30/2024)
- 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
- $229K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,898
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $43K
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 Rhinebeck Bank · Lender record →
Your business? Claim this record · Request removal
- Kristen Ostrander in Albion, NY — $86K (2021) · purchase · ESL FCU
- Program
- 7a General
- Rate at approval
- 4.75% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $77K (90%)
- Approval → funding
- 32 days
- Approved
- 4/30/2021
- First disbursed
- 6/1/2021
- Loan status
- Current
- 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
- $95K
- Est. down payment (10%)
- $10K
- Est. cash at closing
- $12K
- Monthly payment
- $1,198
- Annual debt service
- $14K
- Cash flow needed (1.25×)
- $18K
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 ESL FCU · Lender record →
Your business? Claim this record · Request removal
- SEASONS IN SARATOGA, LLC in Saratoga Springs, NY — $25K (2021) · purchase · The Adirondack Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 12/9/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Florists
If you were the buyer here
- Est. deal size
- $28K
- Est. down payment (10%)
- $3K
- Est. cash at closing
- $4K
- Monthly payment
- $353
- 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 The Adirondack Trust Company · Lender record →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to florists businesses with a New York project address.
Agent summary
How to finance a florists acquisition in New York with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded New York deals. Tompkins Community Bank funds the most here. CapBench is not a lender.
- $332K typical loan
- 6 lenders active in New York
- 7+ funded New York deals
- 17 days typical to fund
Buyers buying a florists in New York 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.