How much do lenders finance for a Flowerama franchise?

The median SBA loan approved for a Flowerama franchise is $155,250, with the middle 80% of loans between $50,000 and $693,300. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Flowerama franchises?

By dollars approved, the most active SBA lenders for Flowerama have been The Park National Bank, The Citizens Bank of Edmond, PlainsCapital Bank, Live Oak Banking Company. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Flowerama SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Flowerama franchise

SBA lenders have approved 10 loans against the Flowerama brand since FY2010, totalling $3.9M. The median approval was $155,250. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1595

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$155,250

Typical range

$50K-$693K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Flowerama

Lender	Loans	Approved
The Park National Bank	2	$1.7M
The Citizens Bank of Edmond	2	$843K
PlainsCapital Bank	2	$665K
Live Oak Banking Company	1	$350K
The Huntington National Bank	2	$186K
Simmons Bank	1	$120K

Geography

Where Flowerama units were financed

State	Loans	Share
Ohio	4
Texas	3
Oklahoma	2
Arkansas	1

Approvals by fiscal year

’14

’19

’22

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
10%
$50K - $150K
30%
$150K - $350K
20%
$350K - $1M
30%
$1M - $2M
10%

Financing a Flowerama: common questions

How much do lenders finance for a Flowerama franchise?: The median SBA loan approved for a Flowerama franchise is $155,250, with the middle 80% of loans between $50,000 and $693,300. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Flowerama franchises?: By dollars approved, the most active SBA lenders for Flowerama have been The Park National Bank, The Citizens Bank of Edmond, PlainsCapital Bank, Live Oak Banking Company. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Flowerama SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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