{"ok":true,"canonical_url":"https://www.capbench.com/franchises/ace-hardware","api_url":"https://www.capbench.com/api/public/franchises/ace-hardware","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"Ace Hardware","slug":"ace-hardware","url":"https://www.capbench.com/franchises/ace-hardware","sbaLoansSince2020":309,"businessPurchases":95,"typicalDeal":641800,"dealRange25th75th":[300000,1244700],"avgRatePct":6.57,"failureRatePct":0,"loansSinceFY2025":63,"topLenders":[{"name":"Live Oak Banking Company","count":73,"url":"https://www.capbench.com/lenders/live-oak-banking-company"},{"name":"Wells Fargo Bank National Association","count":29,"url":"https://www.capbench.com/lenders/wells-fargo-bank-national-association"},{"name":"National Cooperative Bank, National Association","count":14,"url":null},{"name":"The Huntington National Bank","count":12,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Nicolet National Bank","count":8,"url":"https://www.capbench.com/lenders/nicolet-national-bank"}],"topStates":[{"count":36,"state":"TX"},{"count":31,"state":"CA"},{"count":24,"state":"GA"},{"count":20,"state":"MI"},{"count":14,"state":"OH"},{"count":13,"state":"MN"},{"count":13,"state":"WI"},{"count":13,"state":"CO"}],"recentDeals":[{"borrower":"R&R Hardware Solutions LTD","city":"N Little Rock","state":"AR","amount":4750000,"fiscalYear":2026,"businessPurchase":false,"lender":"Live Oak Banking Company"},{"borrower":"MKG ACE LLC","city":"Adams","state":"WI","amount":4000000,"fiscalYear":2026,"businessPurchase":true,"lender":"BankVista"},{"borrower":"Nuts &  Boltz Works, Inc.","city":"East Moriches","state":"NY","amount":3675000,"fiscalYear":2026,"businessPurchase":false,"lender":"Live Oak Banking Company"},{"borrower":"Kermit Hardware LLC","city":"Kermit","state":"TX","amount":3511000,"fiscalYear":2026,"businessPurchase":false,"lender":"Live Oak Banking Company"},{"borrower":"Heights Ace Hardware","city":"Billings","state":"MT","amount":3257800,"fiscalYear":2026,"businessPurchase":true,"lender":"First Interstate Bank"},{"borrower":"Matt's Ace Hardware LLC","city":"Deltona","state":"FL","amount":2615000,"fiscalYear":2026,"businessPurchase":true,"lender":"BankUnited, National Association"},{"borrower":"Matt's Ace Hardware LLC","city":"Deltona","state":"FL","amount":2472300,"fiscalYear":2026,"businessPurchase":true,"lender":"Bank of America, National Association"},{"borrower":"DCMC, INC.","city":"Gardnerville","state":"NV","amount":1950000,"fiscalYear":2026,"businessPurchase":false,"lender":"Live Oak Banking Company"},{"borrower":"Sound Hardware Vashon Mercantile LLC","city":"Vashon","state":"WA","amount":1600000,"fiscalYear":2026,"businessPurchase":true,"lender":"Pathward National Association"},{"borrower":"Palmdale Ace LLC","city":"Palmdale","state":"CA","amount":1390000,"fiscalYear":2026,"businessPurchase":false,"lender":"Wells Fargo Bank National Association"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Ace Hardware purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a Ace Hardware purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Ace Hardware"},"web_url":"https://www.capbench.com/franchises/ace-hardware?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with Ace Hardware.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Ace Hardware"},"web_url":"https://www.capbench.com/franchises/ace-hardware?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full Ace Hardware SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Ace Hardware"},"web_url":"https://www.capbench.com/franchises/ace-hardware?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/ace-hardware","source_type":"CapBench Data"}}