Landscaping Services acquisitions in Massachusetts: SBA loan data
Since FY2018, SBA lenders have approved 23 7(a) loans to buy an existing business classified as Landscaping Services in Massachusetts, totaling $21.7M. The median loan was $627,000. That is 2.4% of the 963 acquisition loans in Massachusetts.
- Loans, FY2018-FY2026
- 23
- Median loan
- $627,000 (middle half $212,000 to $1,271,500)
- Top lender
- The Huntington National Bank (26%, 6 loans)
- FY2026 loans (latest complete year)
- 10
SBA lenders approved 23 7(a) loans to buy a business classified as Landscaping Services in Massachusetts from FY2018-FY2026, with a median of $627,000 and a middle half of $212,000 to $1,271,500. The Huntington National Bank made 26% of them. FY2026 had 10 loans.
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How Landscaping Services in Massachusetts compares
| Measure | Landscaping Services in... | Massachusetts, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $627,000 | $410,000 | $535,750 | $645,250 |
| Middle half of loans | $212,000 to $1,271,500 | $175,000 to $1,041,000 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.67% | 7.34% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 3.2% | 5.5% | 3.5% |
| Loans in sample | 23 | 963 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in Massachusetts is $627,000, well above the $410,000 median for all Massachusetts acquisitions, above the $535,750 median for Landscaping Services acquisitions nationwide and in line with the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $212,000 to $1,271,500, 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 7.67%, in line with 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... | All acquisitions |
|---|---|---|
| Under $350K | 39% | 30% |
| $350K to under $1M | 30% | 33% |
| $1M to under $2M | 13% | 19% |
| $2M and over | 17% | 17% |
Most Landscaping Services acquisition loans in Massachusetts (70%) were under $1M, and the largest single band is Under $350K at 39%, 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 26% of Landscaping Services acquisition loans in Massachusetts, and the top three lenders together made 43%. 1 of the 14 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, 11 Landscaping Services acquisition loans in Massachusetts were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $1,043,000, well above the $627,000 median across all years.
Landscaping Services acquisition loans in Massachusetts by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $70K | $70,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 4 | $1.9M | $548,000 | |
| FY2022 | 4 | $2.7M | $300,000 | |
| FY2023 | 2 | $1.6M | $778,500 | |
| FY2024 | 1 | $248K | $247,500 | |
| FY2025 | 1 | $3.5M | $3,485,500 | |
| FY2026 | 10 | $11.7M | $984,000 |
How often do these acquisition loans fail?
Fewer than 20 Landscaping Services in Massachusetts 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.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 26.1% | $6.9M | |
| 2 | Byline Bank | 2 | 8.7% | $2.3M | |
| 3 | Live Oak Banking Company | 2 | 8.7% | $2.1M | |
| 4 | The Cape Cod Five Cents Savings Bank | 2 | 8.7% | $1.9M | |
| 5 | Align Credit Union | 2 | 8.7% | $750K |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | U.S. Lawns | 2 | 8.7% | $1.4M | |
| 2 | Lawn Doctor | 1 | 4.3% | $224K |
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Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in Massachusetts run?
The median SBA 7(a) loan was $627,000 across 23 loans (FY2018 to FY2026), with the middle half between $212,000 and $1,271,500. 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 Massachusetts?
The Huntington National Bank (6), Byline Bank (2), Live Oak Banking Company (2), The Cape Cod Five Cents Savings Bank (2), Align Credit Union (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in Massachusetts?
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 Massachusetts?
3 of the 23 loans (13%) 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 Massachusetts?
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 Massachusetts was $627,000, and the middle half ran $212,000 to $1,271,500.
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 11 Landscaping Services acquisition loans in Massachusetts in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in Massachusetts?
By loan count, FY2018 to FY2026: The Huntington National Bank (6), Byline Bank (2), Live Oak Banking Company (2), The Cape Cod Five Cents Savings Bank (2), Align Credit Union (2). The Huntington National Bank made 26% of Landscaping Services acquisition loans in Massachusetts. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Terms signed in the LOI shape the purchase agreement that follows.
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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 Massachusetts: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ma/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/ma/landscaping-services-561730.json.