Landscaping Services acquisitions in Florida: SBA loan data
Since FY2018, SBA lenders have approved 118 7(a) loans to buy an existing business classified as Landscaping Services in Florida, totaling $102M. The median loan was $583,500. That is 3.3% of the 3,624 acquisition loans in Florida.
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How Landscaping Services in Florida compares
| Measure | Landscaping Services in Florida | Florida, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $583,500 | $751,700 | $535,750 | $645,250 |
| Middle half of loans | $246,725 to $1,182,275 | $350,000 to $1,584,250 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 8.18% | 8.14% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 17.4% | 5.7% | 5.5% | 3.5% |
| Loans in sample | 118 | 3,624 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in Florida is $583,500, below the $751,700 median for all Florida acquisitions, slightly above the $535,750 median for Landscaping Services acquisitions nationwide and slightly below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $246,725 to $1,182,275, 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 8.18%, above the 7.76% national average.
Seasoned loans were charged off at 17.4%, well above the 5.7% rate for all Florida acquisitions, well above the 5.5% rate for Landscaping Services acquisitions nationwide and well above the 3.5% rate for all acquisition loans.
Loan size distribution
| Loan size | Landscaping Services in Florida | All acquisitions |
|---|---|---|
| Under $350K | 40% | 30% |
| $350K to under $1M | 30% | 33% |
| $1M to under $2M | 21% | 19% |
| $2M and over | 9% | 17% |
Most Landscaping Services acquisition loans in Florida (69%) were under $1M, and the largest single band is Under $350K at 40%, against 30% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
The Huntington National Bank made 16% of Landscaping Services acquisition loans in Florida, and the top three lenders together made 29%. 11 of the 50 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 37 Landscaping Services acquisition loans in Florida were approved. That is 37% more than the 27 approved in FY2023 and FY2024. The median was $582,000, in line with the $583,500 median across all years.
Landscaping Services acquisition loans in Florida by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $3.9M | $494,600 | |
| FY2019 | 11 | $7.7M | $650,000 | |
| FY2020 | 15 | $10.1M | $373,500 | |
| FY2021 | 14 | $10.5M | $451,850 | |
| FY2022 | 8 | $11.5M | $959,600 | |
| FY2023 | 9 | $10.4M | $974,500 | |
| FY2024 | 18 | $13.5M | $327,200 | |
| FY2025 | 14 | $14.2M | $403,750 | |
| FY2026 | 23 | $20.4M | $801,000 |
How often do these acquisition loans fail?
Of the 46 Landscaping Services in Florida acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 8 have been charged off by the SBA, a rate of 17.4% by loan count and 8.2% by dollars. 20 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Landscaping Services in Florida is 394% higher than the acquisition-loan average. 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 | The Huntington National Bank | 19 | 16.1% | $12M | |
| 2 | Customers Bank | 8 | 6.8% | $7.7M | |
| 3 | BayFirst National Bank | 7 | 5.9% | $2.8M | |
| 4 | First Internet Bank of Indiana | 5 | 4.2% | $7.2M | |
| 5 | CRF Small Business Loan Company, LLC | 4 | 3.4% | $4.3M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | U.S. Lawns | 2 | 1.7% | $3.4M |
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Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in Florida run?
The median SBA 7(a) loan was $583,500 across 118 loans (FY2018 to FY2026), with the middle half between $246,725 and $1,182,275. 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 Florida?
The Huntington National Bank (19), Customers Bank (8), BayFirst National Bank (7), First Internet Bank of Indiana (5), CRF Small Business Loan Company, LLC (4). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in Florida?
17.4% of 46 seasoned loans (FY2018 to FY2021) were charged off, against 3.5% for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Landscaping Services acquisitions in Florida?
2 of the 118 loans (2%) involved a franchise brand, most often U.S. Lawns (2).
How much do you need down for an SBA loan to buy a Landscaping Services business in Florida?
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 Florida was $583,500, and the middle half ran $246,725 to $1,182,275.
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 37 Landscaping Services acquisition loans in Florida in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in Florida?
By loan count, FY2018 to FY2026: The Huntington National Bank (19), Customers Bank (8), BayFirst National Bank (7), First Internet Bank of Indiana (5), CRF Small Business Loan Company, LLC (4). The Huntington National Bank made 16% of Landscaping Services acquisition loans in Florida. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
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Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All Florida acquisitions
- Landscaping Services nationally
- Landscaping Services in Minnesota
- Landscaping Services in Pennsylvania
- Landscaping Services in Michigan
- Landscaping Services in Colorado
- Landscaping Services in Utah
- Landscaping Services in New Jersey
- Landscaping Services in Indiana
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- Hotels and Motels in Florida
- Limited-Service Restaurants in Florida
- Offices of Certified Public Accountants in Florida
Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Landscaping Services in Florida: SBA acquisition loan data", https://sbaacquisitiondata.com/state/fl/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/fl/landscaping-services-561730.json.