NAICS 424930 · Wholesale
SBA loans for flower, nursery stock, and florists' supplies merchant wholesalers
654 SBA loans worth $341.4M have been approved in this industry since FY2010 - the #283 most-financed NAICS code in the country.
Median loan
$200,000
+11% vs all industries
Typical range
$25K-$1.5M
Middle 80%
Median rate
6.90%
7(a) initial note rate
Median term
10 yr
Charge-off rate
7.0%
vs 7.6% all industries
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
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Wells Fargo Bank | 21 | $14.8M | |
| U.S. Bank | 32 | $14.7M | |
| Florida Business Development Corporation | 11 | $14.1M | |
| Live Oak Banking Company | 8 | $12.3M | |
| Newtek Bank | 15 | $11.7M | |
| Readycap Lending, LLC | 10 | $11.1M | |
| Newtek Small Business Finance, Inc. | 6 | $11.1M | |
| Enterprise Bank & Trust | 6 | $8.7M | |
| JPMorgan Chase Bank | 38 | $8.3M | |
| Byline Bank | 5 | $8.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 129 | |
| Florida | 78 | |
| New York | 35 | |
| Texas | 31 | |
| Ohio | 29 | |
| Washington | 21 | |
| Michigan | 20 | |
| Massachusetts | 19 |
Approvals by fiscal year
’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K20%
- $50K - $150K20%
- $150K - $350K23%
- $350K - $1M20%
- $1M - $2M10%
- Over $2M6%
Nearby
Other wholesale industries
Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750Wholesale Trade Agents and Brokers1,547 · $180,000Recyclable Material Merchant Wholesalers1,450 · $350,000
Common questions
- How much do SBA lenders typically lend to a flower, nursery stock, and florists' supplies merchant wholesalers business?
- The median SBA approval in NAICS 424930 is $200,000, with the middle 80% of loans between $25,000 and $1,490,400. Across all industries the median is $180,000.
- Which lenders are most active in flower, nursery stock, and florists' supplies merchant wholesalers?
- By dollars approved: Wells Fargo Bank, U.S. Bank, Florida Business Development Corporation, Live Oak Banking Company, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is flower, nursery stock, and florists' supplies merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.0% were charged off, versus 7.6% across all SBA lending. That is close to average.
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