Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers: SBA business acquisition loan data
30 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers (NAICS 424930), totaling $31.3M. Median loan $685,000, 6% higher than the all-acquisition median.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,632,925 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #230 of 300 industries tracked.
- Geography. Alabama leads with 4 loans; the top five states account for 53% of the industry's acquisitions.
- Jobs. Lenders reported 280 jobs supported across these loans, about 9.3 per acquisition, a rough proxy for the size of business changing hands.
Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $1.2M | $249,600 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 4 | $5.1M | $996,850 | |
| FY2021 | 5 | $6.7M | $940,000 | |
| FY2022 | 1 | $315K | $315,000 | |
| FY2023 | 4 | $2.3M | $246,300 | |
| FY2024 | 3 | $5.3M | $1,948,000 | |
| FY2025 | 3 | $6.1M | $1,585,000 | |
| FY2026 | 6 | $4.2M | $232,400 |
How often do these acquisition loans fail?
Fewer than 20 Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Alabama | 4 | 13.3% | $5.3M | |
| 2 | California | 3 | 10.0% | $7.2M | |
| 3 | Georgia | 3 | 10.0% | $5.1M | |
| 4 | Washington | 3 | 10.0% | $1.5M | |
| 5 | Florida | 3 | 10.0% | $1.1M | |
| 6 | Arizona | 2 | 6.7% | $2M | |
| 7 | South Carolina | 2 | 6.7% | $1.9M | |
| 8 | New Hampshire | 2 | 6.7% | $1.6M | |
| 9 | Texas | 2 | 6.7% | $395K | |
| 10 | Illinois | 1 | 3.3% | $3.1M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 7 | 23.3% | $12.2M | |
| 2 | Capital Bank, National Association | 3 | 10.0% | $3.7M | |
| 3 | Celtic Bank Corporation | 2 | 6.7% | $2M | |
| 4 | Merrimack County Savings Bank | 2 | 6.7% | $1.6M | |
| 5 | U.S. Bank, National Association | 2 | 6.7% | $724K | |
| 6 | The Huntington National Bank | 2 | 6.7% | $425K | |
| 7 | Peoples National Bank National Association | 1 | 3.3% | $3.1M | |
| 8 | First Horizon Bank | 1 | 3.3% | $1.9M | |
| 9 | Hancock Whitney Bank | 1 | 3.3% | $1.6M | |
| 10 | BOKF, National Association | 1 | 3.3% | $1.3M |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers?
Median $685,000 across 30 acquisition loans (FY2018 to FY2026); the middle half ran $250,000 to $1,632,925. That is 6% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers acquisitions?
Live Oak Banking Company (7), Capital Bank, National Association (3), Celtic Bank Corporation (2), Merrimack County Savings Bank (2), U.S. Bank, National Association (2).
Are businesses in Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers acquisitions?
Median term 10 years, average initial rate 7.63% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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