Landscaping Services acquisitions in North Carolina: SBA loan data
Since FY2018, SBA lenders have approved 24 7(a) loans to buy an existing business classified as Landscaping Services in North Carolina, totaling $23.4M. The median loan was $612,500. That is 1.5% of the 1,575 acquisition loans in North Carolina.
- Loans, FY2018-FY2026
- 24
- Median loan
- $612,500 (middle half $315,150 to $1,274,000)
- Top lender
- Live Oak Banking Company (17%, 4 loans)
- FY2026 loans (latest complete year)
- 7
SBA lenders approved 24 7(a) loans to buy a business classified as Landscaping Services in North Carolina from FY2018-FY2026, with a median of $612,500 and a middle half of $315,150 to $1,274,000. Live Oak Banking Company made 17% of them. FY2026 had 7 loans.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
How Landscaping Services in North Carolina compares
| Measure | Landscaping Services in North... | North Carolina, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $612,500 | $800,000 | $535,750 | $645,250 |
| Middle half of loans | $315,150 to $1,274,000 | $350,000 to $1,800,000 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.89% | 7.92% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 2.1% | 5.5% | 3.5% |
| Loans in sample | 24 | 1,575 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in North Carolina is $612,500, below the $800,000 median for all North Carolina 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 $315,150 to $1,274,000, 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 7.89%, 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 North... | All acquisitions |
|---|---|---|
| Under $350K | 33% | 30% |
| $350K to under $1M | 33% | 33% |
| $1M to under $2M | 21% | 19% |
| $2M and over | 13% | 17% |
Most Landscaping Services acquisition loans in North Carolina (67%) were under $1M, and the largest single band is Under $350K at 33%, against 30% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 17% of Landscaping Services acquisition loans in North Carolina, and the top three lenders together made 46%. 3 of the 14 lenders involved made three or more. Only 3 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, 8 Landscaping Services acquisition loans in North Carolina were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $579,000, slightly below the $612,500 median across all years.
Landscaping Services acquisition loans in North Carolina by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $301K | $300,600 | |
| FY2019 | 4 | $4.9M | $982,500 | |
| FY2020 | 4 | $5M | $1,376,150 | |
| FY2021 | 3 | $1.9M | $747,400 | |
| FY2022 | 1 | $1.5M | $1,535,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 3 | $2M | $825,000 | |
| FY2025 | 1 | $320K | $320,000 | |
| FY2026 | 7 | $7.4M | $595,000 |
How often do these acquisition loans fail?
Fewer than 20 Landscaping Services in North Carolina 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.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 16.7% | $7.8M | |
| 2 | United Community Bank | 4 | 16.7% | $4M | |
| 3 | The Bancorp Bank National Association | 3 | 12.5% | $1.8M | |
| 4 | Pinnacle Bank | 2 | 8.3% | $2.5M | |
| 5 | BayFirst National Bank | 2 | 8.3% | $1.2M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Monster Tree Service | 2 | 8.3% | $4.7M |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in North Carolina run?
The median SBA 7(a) loan was $612,500 across 24 loans (FY2018 to FY2026), with the middle half between $315,150 and $1,274,000. 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 North Carolina?
Live Oak Banking Company (4), United Community Bank (4), The Bancorp Bank National Association (3), Pinnacle Bank (2), BayFirst National Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in North Carolina?
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 North Carolina?
2 of the 24 loans (8%) involved a franchise brand, most often Monster Tree Service (2).
How much do you need down for an SBA loan to buy a Landscaping Services business in North Carolina?
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 North Carolina was $612,500, and the middle half ran $315,150 to $1,274,000.
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 North Carolina in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in North Carolina?
By loan count, FY2018 to FY2026: Live Oak Banking Company (4), United Community Bank (4), The Bancorp Bank National Association (3), Pinnacle Bank (2), BayFirst National Bank (2). Live Oak Banking Company made 17% of Landscaping Services acquisition loans in North Carolina. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options
Related
- All North Carolina acquisitions
- Financing one? How to get an SBA loan to buy a landscaping business
- Landscaping Services nationally
- Landscaping Services in Florida
- 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
- Hotels and Motels in North Carolina
- Limited-Service Restaurants in North Carolina
- Full-Service Restaurants in North Carolina
- All Other Specialty Trade Contractors in North Carolina
- Offices of Certified Public Accountants in North Carolina
- Plumbing, Heating, and Air-Conditioning Contractors in North Carolina
- Child Care Services in North Carolina
- General Automotive Repair in North Carolina
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 North Carolina: SBA acquisition loan data", https://sbaacquisitiondata.com/state/nc/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/nc/landscaping-services-561730.json.