How much do SBA lenders typically lend to a florists business?

The median SBA approval in NAICS 453110 is $72,000, with the middle 80% of loans between $12,000 and $423,000. Across all industries the median is $180,000.

Which lenders are most active in florists?

By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Fifth Third Bank, Beacon Bank and Trust. 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 florists considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 453110 · Retail

SBA loans for florists

1,204 SBA loans worth $220.9M have been approved in this industry since FY2010 - the #175 most-financed NAICS code in the country.

Median loan

$72,000

-60% vs all industries

Typical range

$12K-$423K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.3%

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
Wells Fargo Bank	74	$15.8M
U.S. Bank	58	$14.4M
The Huntington National Bank	97	$11.6M
Fifth Third Bank	12	$7.8M
Beacon Bank and Trust	11	$5.0M
TD Bank	45	$5.0M
Village Bank and Trust	2	$4.5M
Florida Business Development Corporation	7	$3.9M
Live Oak Banking Company	2	$3.8M
JPMorgan Chase Bank	40	$3.7M

Geography

Where these loans were made

State	Loans	Share
California	98
Ohio	84
New York	81
Texas	67
Minnesota	55
Florida	48
Michigan	47
Indiana	40

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
37%
$50K - $150K
30%
$150K - $350K
18%
$350K - $1M
11%
$1M - $2M
2%
Over $2M
1%

Nearby

Other retail industries

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a florists business?: The median SBA approval in NAICS 453110 is $72,000, with the middle 80% of loans between $12,000 and $423,000. Across all industries the median is $180,000.
Which lenders are most active in florists?: By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Fifth Third Bank, Beacon Bank and Trust. 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 florists considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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