Lender intelligence

Financing a florists acquisition in Utah

State:

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

$468K

Typical loan

range $248K–$480K

$520K

Est. purchase price

≈ loan ÷ 90%

$69,491

Cash to close

$51,956 down + fees

$6,051/mo

Typical payment

~9.5% · 10yr

$83,504/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

6.38%

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 · Utah

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

1.9 loans · $10M · Warren, PAFull record →
2.14 loans · $2M · Cedar City, UTFull record →
3.2 loans · $0M · Storm Lake, IAFull record →

4+ funded Florists in Utah 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.

Desert Rose Floral LLC in Saint George, UT — $248K (2025) · purchase · State Bank of Southern Utah
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$124K (50%)
Approval → funding
3 days
Approved
11/2/2024
First disbursed
11/5/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$276K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,142
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 State Bank of Southern Utah · Lender record →
Your business? Claim this record · Request removal
FJ Holdings, LLC in Fillmore, UT — $468K (2022) · purchase · Central Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$351K (75%)
Approval → funding
14 days
Approved
12/7/2021
First disbursed
12/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$520K
Est. down payment (10%)
$52K
Est. cash at closing
$69K
Monthly payment
$2,802
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 Central Bank · Lender record →
Your business? Claim this record · Request removal
EVERY BLOOMING THING, LLC in Salt Lake City, UT — $480K (2020) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approval → funding
34 days
Approved
7/28/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Florists
If you were the buyer here
Est. deal size
$533K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$5,150
Annual debt service
$62K
Cash flow needed (1.25×)
$77K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
EVERY BLOOMING THING, LLC in Salt Lake City, UT — $20K (2020) · purchase · Northwest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approval → funding
64 days
Approved
7/28/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
8
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
$222
Annual debt service
$3K
Cash flow needed (1.25×)
$3K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal

Financing a florists deal in Utah? 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 Utah project address.

Agent summary

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

$332K typical loan
3 lenders active in Utah
4+ funded Utah deals
34 days typical to fund

Buyers buying a florists in Utah 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/florists/utah
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.