SBA Loans for Nursery and Garden Centers: Top Lenders & Recent Approvals

NAICS 444

NAICS 444 covers nursery and garden centers businesses. Based on historical SBA 7(a) lending data.

Total Approvals

486

for Nursery and Garden Centers

Median Loan Size

$350,000

per approval

Recent Activity

last 90 days through Dec 2025

NAICS 444 covers nursery and garden centers businesses. This is a moderately active sector for SBA 7(a) lending with 486 approvals and a median loan size of $350,000.

Key trends & insights

SBA lending to nursery and garden centers businesses declined 37% year-over-year — from 384 to 241 approvals.
Total SBA dollars flowing into this industry decreased by 42% year-over-year, reaching $157,000,000 in the trailing 12 months.
The typical loan size for nursery and garden centers has decreased 11% — average median moving from $405,967 to $360,450.
Loan sizes vary dramatically by location — the median in North Carolina ($860,000) is 34.4x higher than Puerto Rico ($25,000).

Lending trends for Nursery and Garden Centers

↓ 37%loan volume YoY

↓ 42%dollar volume YoY

Total loaned ($)

Median loan size

Top lenders by historical volume

#	Lender	Approvals	Median Size	Recent	Top States
1	THE Huntington National Bank	62	$75,000	1	OH, MI, IN
2	Live OAK Banking Company	61	$1,075,000	15	NC, FL, CA
3	U.s. Bank, National Association	38	$404,000	2	CA, MN, WA
4	Wells Fargo Bank, National Association	35	$765,000	2	TX, CO, NC
5	TD Bank, National Association	30	$100,000	2	NY, FL, NJ
6	Manufacturers AND Traders Trust Company	24	$100,000	2	NY, PA, NJ
7	Northeast Bank	23	$62,600	8	CA, WA, GA
8	Newtek Bank, National Association	22	$250,000	3	CA, NM, CT
9	Bayfirst National Bank	20	$150,000	3	FL, CA, GA
10	Newtek Small Business Finance, INC.	19	$350,000	—	CA, FL, TX
11	Bank OF America, National Association	16	$500,000	—	FL, TX, WA
12	Columbia Bank	15	$50,000	—	OR, WA
13	Jpmorgan Chase Bank, National Association	14	$300,000	—	FL, TX, CA
14	Five Star Bank	13	$150,000	—	NY, TX, CA
15	Keybank, National Association	13	$270,000	—	CO, ME, PA
16	OLD National Bank	13	$670,000	—	MN, IN, MI
17	Readycap Lending, LLC	12	$50,000	—	NY, CA, FL
18	Nicolet National Bank	10	$576,000	2	WI, MI
19	Oriental Bank	9	$47,700	—	PR, VI
20	Comerica Bank	9	$350,000	—	TX, MI, CA

Recent SBA 7(a) approvals for Nursery and Garden Centers

Month	Lender	Borrower	Location	Amount
2025-12	FNBC Bank	LEG*****LLC	BELLEVILLE, AR	$1,196,000
2025-12	Genesee Regional Bank	Bro*****nc.	ROCHESTER, NY	$300,000
2025-12	Northeast Bank	Tim*****ock	RANTOUL, IL	$80,000
2025-12	Nicolet National Bank	Yel*****ion	PULASKI, WI	$50,000
2025-12	Nicolet National Bank	Yel*****ion	PULASKI, WI	$576,000
2025-12	Northeast Bank	Pot*****LLC	Santa Cruz, CA	$62,600
2025-12	Wells Fargo Bank National Association	Pal*****LLC	PALMDALE, CA	$1,390,000
2025-12	Northeast Bank	Tre*****ted	Gatlinburg, TN	$350,000
2025-12	Northeast Bank	GAR*****LLC	WASHINGTON CROSSING, PA	$140,000
2025-12	T Bank, National Association	Lon*****LLC	SANTA FE, NM	$888,500
2025-12	Paragon Bank	Blo*****nc.	BELVILLE, NC	$2,740,000
2025-12	CenTrust Bank, A Division of SmartBiz Bank National Associat	Pla*****LLC	FALLBROOK, CA	$150,000
2025-12	Bank of America, National Association	Per*****nc.	LADY LAKE, FL	$1,047,900
2025-12	First Merchants Bank	Wre*****Inc	LAFAYETTE, IN	$100,000
2025-12	First Commonwealth Bank	Lux*****LLC	PITTSBURGH, PA	$70,000
2025-12	First Commonwealth Bank	Lod*****LLC	PITTSBURGH, PA	$1,216,000
2025-12	Idaho Central CU	COR*****LLC	IDAHO FALLS, ID	$200,000
2025-12	Live Oak Banking Company	Nut*****nc.	EAST MORICHES, NY	$3,675,000
2025-11	The Huntington National Bank	Mac*****LLC	COLUMBUS, OH	$260,000
2025-11	Enterprise Bank	Ban*****Inc	JOHNSTOWN, PA	$1,500,000
2025-11	Manufacturers and Traders Trust Company	BRI*****LLC	TOMS RIVER, NJ	$250,000
2025-11	Colony Bank	KNO*****NC.	Brooklyn, NY	$150,000
2025-11	River Bank & Trust	Lon*****LLC	Vestavia Hills, AL	$570,000
2025-11	Mountain America FCU	Til*****LLC	SOUTH SALT LAKE, UT	$30,000
2025-11	Pathward National Association	Sho*****rp.	LONGWOOD, FL	$1,938,500

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

Activity by state

CA45 FL38 TX36 NY27 OH27 WA18 CO16 MI15 MN15 PA14 NC13 GA12 NJ12 IN11 PR11 OR11 AZ11 MO10 IL10 WI9 MA9 ME9 UT8 VA7 SC7 NM7 MD6 AR6 IA6 RI5 ID5 TN4 AL4 NE4 CT4 VT4 AK3 KS3 SD3 MT3 MS3 ND3 WV2 OK2 NH2 DC1 VI1 KY1 LA1 NV1 HI1

Less active

More active

State-by-state breakdown

#	State	Approvals	Median Size	#1 Lender	Last 90 Days
1	California	45	$489,000	U.s. Bank, National Association5 approvals	5
2	Florida	38	$347,500	Bank OF America, National Association5 approvals	1
3	Texas	36	$648,400	Comerica Bank5 approvals	2
4	New York	27	$150,000	Manufacturers AND Traders Trust Company6 approvals	2
5	Ohio	27	$75,000	THE Huntington National Bank17 approvals	—
6	Washington	18	$333,750	Banner Bank3 approvals	1
7	Colorado	16	$452,750	Byline Bank2 approvals	—
8	Michigan	15	$400,000	Community Choice CU2 approvals	2
9	Minnesota	15	$250,000	Deerwood Bank2 approvals	—
10	Pennsylvania	14	$242,500	MID Penn Bank3 approvals	—
11	North Carolina	13	$860,000	Wells Fargo Bank, National Association3 approvals	2
12	Georgia	12	$280,000	United Community Bank3 approvals	1
13	New Jersey	12	$368,200	Manufacturers AND Traders Trust Company3 approvals	1
14	Indiana	11	$350,000	OLD National Bank2 approvals	—
15	Puerto Rico	11	$25,000	Banco Popular DE Puerto Rico6 approvals	1
16	Oregon	11	$745,000	Columbia Bank4 approvals	—
17	Arizona	11	$680,000	Live OAK Banking Company5 approvals	3
18	Missouri	10	$232,500	THE Huntington National Bank2 approvals	—
19	Illinois	10	$431,000	Centrust Bank, A Division OF Smartbiz Bank National Associat2 approvals	1
20	Wisconsin	9	$520,000	Nicolet National Bank3 approvals	—
21	Massachusetts	9	$150,000	Rockland Trust Company3 approvals	—
22	Maine	9	$150,000	Kennebunk Savings Bank2 approvals	—
23	Utah	8	$422,000	Mountain America FCU3 approvals	—
24	Virginia	7	$450,000	National Cooperative Bank, National Association1 approvals	—
25	South Carolina	7	$552,500	United Community Bank3 approvals	—

SBA loans for Nursery and Garden Centers by state

Similar industries

All Other Specialty Food Stores

NAICS 445 · 2,259 approvals

Boat Dealers

NAICS 441 · 720 approvals

Gasoline Stations with Convenience Stores

NAICS 447 · 362 approvals

NAICS 449

NAICS 449 · 345 approvals

Jewelry Stores

NAICS 448 · 284 approvals

Pharmacies and Drug Stores

NAICS 446 · 263 approvals

All Other Home Furnishings Stores

NAICS 442 · 167 approvals

Electronics Stores

NAICS 443 · 46 approvals

Frequently asked questions about SBA loans for Nursery and Garden Centers

Who are the top SBA lenders for Nursery and Garden Centers?▾

Based on historical SBA 7(a) data, the most active lenders for Nursery and Garden Centers (NAICS 444) include THE Huntington National Bank, Live OAK Banking Company, U.s. Bank, National Association, and 17 more. THE Huntington National Bank leads with 62 approved loans.

What is the typical SBA loan size for Nursery and Garden Centers?▾

The median SBA 7(a) loan amount for Nursery and Garden Centers businesses is $350,000, based on 486 total approved loans in the dataset.

Which states have the most SBA lending activity for Nursery and Garden Centers?▾

California leads with 45 SBA 7(a) approvals for Nursery and Garden Centers, followed by Florida (38) and Texas (36).

How do I find the best SBA lender for my nursery and garden centers business?▾

Start by reviewing the lender rankings on this page, which are based on real SBA approval data for NAICS 444. You can also use the MyLenderPilot Lender Fit Quiz to get a personalized ranking based on your state, loan size, and years in business.

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