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

The median SBA approval in NAICS 459310 is $140,000, with the middle 80% of loans between $25,000 and $782,000. Across all industries the median is $180,000.

Which lenders are most active in florists?

By dollars approved: The Huntington National Bank, Readycap Lending, LLC, U.S. Bank, First Internet Bank of Indiana, Empire State Certified Development Corporation. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

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NAICS 459310 · Retail

SBA loans for florists

526 SBA loans worth $165.2M have been approved in this industry since FY2010 - the #329 most-financed NAICS code in the country.

Median loan

$140,000

-22% vs all industries

Typical range

$25K-$782K

Middle 80%

Median rate

9.99%

7(a) initial note rate

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

Most active in this industry

Lender	Loans	Approved
The Huntington National Bank	56	$12.4M
Readycap Lending, LLC	20	$7.3M
U.S. Bank	25	$6.3M
First Internet Bank of Indiana	2	$5.5M
Empire State Certified Development Corporation	5	$5.4M
Newtek Small Business Finance, Inc.	3	$5.4M
Bank Five Nine	1	$5.0M
TD Bank	29	$4.4M
Wells Fargo Bank	10	$4.4M
Frost Bank	5	$4.3M

Geography

Where these loans were made

State	Loans	Share
California	57
Florida	46
New York	35
Texas	34
Ohio	33
Michigan	24
Illinois	22
Colorado	14

An SBA 7(a) lender for loans this size

75% of the SBA loans approved in florists since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
20%
$50K - $150K
31%
$150K - $350K
25%
$350K - $1M
18%
$1M - $2M
4%
Over $2M
2%

Franchise brands in Florists

Franchise brand	Loans	Approved	Share
Flowerama	7	$3.6M

Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.

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 459310 is $140,000, with the middle 80% of loans between $25,000 and $782,000. Across all industries the median is $180,000.
Which lenders are most active in florists?: By dollars approved: The Huntington National Bank, Readycap Lending, LLC, U.S. Bank, First Internet Bank of Indiana, Empire State Certified Development Corporation. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.