Landscaping Services acquisitions in Colorado: SBA loan data
Since FY2018, SBA lenders have approved 32 7(a) loans to buy an existing business classified as Landscaping Services in Colorado, totaling $34.8M. The median loan was $821,000. That is 1.7% of the 1,870 acquisition loans in Colorado.
- Loans, FY2018-FY2026
- 32
- Median loan
- $821,000 (middle half $629,375 to $1,376,000)
- Top lender
- BMO Bank National Association (9%, 3 loans)
- FY2026 loans (latest complete year)
- 3
SBA lenders approved 32 7(a) loans to buy a business classified as Landscaping Services in Colorado from FY2018-FY2026, with a median of $821,000 and a middle half of $629,375 to $1,376,000. BMO Bank National Association made 9% of them. FY2026 had 3 loans.
Terms signed in the LOI shape the purchase agreement that follows.
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How Landscaping Services in Colorado compares
| Measure | Landscaping Services in Colorado | Colorado, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $821,000 | $661,000 | $535,750 | $645,250 |
| Middle half of loans | $629,375 to $1,376,000 | $339,175 to $1,392,050 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 8.29% | 7.79% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 4.1% | 5.5% | 3.5% |
| Loans in sample | 32 | 1,870 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in Colorado is $821,000, above the $661,000 median for all Colorado acquisitions, well above the $535,750 median for Landscaping Services acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $629,375 to $1,376,000, 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 8.29%, 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 Colorado | All acquisitions |
|---|---|---|
| Under $350K | 13% | 30% |
| $350K to under $1M | 47% | 33% |
| $1M to under $2M | 31% | 19% |
| $2M and over | 9% | 17% |
Most Landscaping Services acquisition loans in Colorado (59%) were under $1M, and the largest single band is $350K to under $1M at 47%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
BMO Bank National Association made 9% of Landscaping Services acquisition loans in Colorado, and the top three lenders together made 22%. 1 of the 24 lenders involved made three or more. Only 1 lender has 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, 8 Landscaping Services acquisition loans in Colorado were approved. That is 27% fewer than the 11 approved in FY2023 and FY2024. The median was $962,250, above the $821,000 median across all years.
Landscaping Services acquisition loans in Colorado by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 4 | $2.8M | $781,950 | |
| FY2020 | 4 | $3.5M | $843,750 | |
| FY2021 | 4 | $4M | $884,600 | |
| FY2022 | 1 | $177K | $177,000 | |
| FY2023 | 7 | $6.2M | $655,200 | |
| FY2024 | 4 | $5.6M | $1,433,000 | |
| FY2025 | 5 | $3.5M | $750,000 | |
| FY2026 | 3 | $9M | $3,500,000 |
How often do these acquisition loans fail?
Fewer than 20 Landscaping Services in Colorado 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 lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | BMO Bank National Association | 3 | 9.4% | $1.8M | |
| 2 | T Bank, National Association | 2 | 6.3% | $2.8M | |
| 3 | Zions Bancorporation, National Association | 2 | 6.3% | $2.1M | |
| 4 | HomeTrust Bank | 2 | 6.3% | $2.1M | |
| 5 | Live Oak Banking Company | 2 | 6.3% | $1.3M |
Top franchise brands
No franchise brands recorded in this combination.
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in Colorado run?
The median SBA 7(a) loan was $821,000 across 32 loans (FY2018 to FY2026), with the middle half between $629,375 and $1,376,000. 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 Colorado?
BMO Bank National Association (3), T Bank, National Association (2), Zions Bancorporation, National Association (2), HomeTrust Bank (2), Live Oak Banking Company (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in Colorado?
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 Colorado?
None of the 32 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 Colorado?
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 Colorado was $821,000, and the middle half ran $629,375 to $1,376,000.
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 8 Landscaping Services acquisition loans in Colorado in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in Colorado?
By loan count, FY2018 to FY2026: BMO Bank National Association (3), T Bank, National Association (2), Zions Bancorporation, National Association (2), HomeTrust Bank (2), Live Oak Banking Company (2). BMO Bank National Association made 9% of Landscaping Services acquisition loans in Colorado. 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 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Landscaping Services in Colorado: SBA acquisition loan data", https://sbaacquisitiondata.com/state/co/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/co/landscaping-services-561730.json.