Landscaping Services acquisitions in Arizona: SBA loan data
Since FY2018, SBA lenders have approved 23 7(a) loans to buy an existing business classified as Landscaping Services in Arizona, totaling $29.3M. The median loan was $1,206,000. That is 2.1% of the 1,095 acquisition loans in Arizona.
- Loans, FY2018-FY2026
- 23
- Median loan
- $1,206,000 (middle half $719,000 to $1,496,550)
- Top lender
- St. Louis Bank (22%, 5 loans)
- FY2026 loans (latest complete year)
- 5
SBA lenders approved 23 7(a) loans to buy a business classified as Landscaping Services in Arizona from FY2018-FY2026, with a median of $1,206,000 and a middle half of $719,000 to $1,496,550. St. Louis Bank made 22% of them. FY2026 had 5 loans.
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How Landscaping Services in Arizona compares
| Measure | Landscaping Services in Arizona | Arizona, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $1,206,000 | $770,000 | $535,750 | $645,250 |
| Middle half of loans | $719,000 to $1,496,550 | $369,550 to $1,523,600 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 8.62% | 8.06% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 3.5% | 5.5% | 3.5% |
| Loans in sample | 23 | 1,095 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in Arizona is $1,206,000, well above the $770,000 median for all Arizona acquisitions, well above the $535,750 median for Landscaping Services acquisitions nationwide and well above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $719,000 to $1,496,550, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 8.62%, above the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Landscaping Services in Arizona | All acquisitions |
|---|---|---|
| Under $350K | 13% | 30% |
| $350K to under $1M | 26% | 33% |
| $1M to under $2M | 39% | 19% |
| $2M and over | 22% | 17% |
Most Landscaping Services acquisition loans in Arizona (61%) were $1M or more, and the largest single band is $1M to under $2M at 39%, against 19% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
St. Louis Bank made 22% of Landscaping Services acquisition loans in Arizona, and the top three lenders together made 43%. 2 of the 16 lenders involved made three or more. Only 2 lenders have repeat experience here. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 6 Landscaping Services acquisition loans in Arizona were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $1,199,000, in line with the $1,206,000 median across all years.
Landscaping Services acquisition loans in Arizona by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 1 | $2.7M | $2,730,000 | |
| FY2020 | 3 | $2M | $785,000 | |
| FY2021 | 4 | $3.9M | $1,043,850 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 3 | $3.4M | $1,362,000 | |
| FY2024 | 6 | $11.2M | $1,781,250 | |
| FY2025 | 1 | $1.3M | $1,278,000 | |
| FY2026 | 5 | $4.8M | $1,120,000 |
How often do these acquisition loans fail?
Fewer than 20 Landscaping Services in Arizona 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | St. Louis Bank | 5 | 21.7% | $6.6M | |
| 2 | Evolve Bank and Trust | 3 | 13.0% | $4.3M | |
| 3 | United Midwest Savings Bank National Association | 2 | 8.7% | $318K | |
| 4 | Mission Bank | 1 | 4.3% | $3.3M | |
| 5 | T Bank, National Association | 1 | 4.3% | $2.7M |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in Arizona run?
The median SBA 7(a) loan was $1,206,000 across 23 loans (FY2018 to FY2026), with the middle half between $719,000 and $1,496,550. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Landscaping Services acquisitions in Arizona?
St. Louis Bank (5), Evolve Bank and Trust (3), United Midwest Savings Bank National Association (2), Mission Bank (1), T Bank, National Association (1). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in Arizona?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Landscaping Services acquisitions in Arizona?
None of the 23 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy a Landscaping Services business in Arizona?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Landscaping Services acquisition loans in Arizona was $1,206,000, and the middle half ran $719,000 to $1,496,550.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 6 Landscaping Services acquisition loans in Arizona in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in Arizona?
By loan count, FY2018 to FY2026: St. Louis Bank (5), Evolve Bank and Trust (3), United Midwest Savings Bank National Association (2), Mission Bank (1), T Bank, National Association (1). St. Louis Bank made 22% of Landscaping Services acquisition loans in Arizona. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
The purchase agreement decides what you bought, not the loan approval.
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Small samples move a lot: each loan in this combination is 4% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Landscaping Services in Arizona: SBA acquisition loan data", https://sbaacquisitiondata.com/state/az/landscaping-services-561730 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/az/landscaping-services-561730.json.