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Ace Hardware, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0067)

309 deals since 2020 · typical deal $642K · 0% failure rate

309

Deals since 2020

$642K

Typical deal

63

Deals since FY2025

0%

Failure rate (FY20–23)

Ace Hardware buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Ace Hardware

Most Ace Hardware deals financed between $300K and $1.24M. Above $1.24M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$8,393
Down payment (10%)
$71K
Cash to close (all-in)
$95K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$95K)

Experience

Recent financings

  • R&R Hardware Solutions LTD in N Little Rock, AR — $4.8M (2026) · Live Oak Banking Company
  • MKG ACE LLC in Adams, WI — $4.0M (2026) · purchase · BankVista
  • Nuts & Boltz Works, Inc. in East Moriches, NY — $3.7M (2026) · Live Oak Banking Company
  • Kermit Hardware LLC in Kermit, TX — $3.5M (2026) · Live Oak Banking Company
  • Heights Ace Hardware in Billings, MT — $3.3M (2026) · purchase · First Interstate Bank
  • Matt's Ace Hardware LLC in Deltona, FL — $2.6M (2026) · purchase · BankUnited, National Association
  • Matt's Ace Hardware LLC in Deltona, FL — $2.5M (2026) · purchase · Bank of America, National Association
  • DCMC, INC. in Gardnerville, NV — $1.9M (2026) · Live Oak Banking Company
  • Sound Hardware Vashon Mercantile LLC in Vashon, WA — $1.6M (2026) · purchase · Pathward National Association
  • Palmdale Ace LLC in Palmdale, CA — $1.4M (2026) · Wells Fargo Bank National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Ace Hardware brand mark

Who funds Ace Hardware — and where

Every dot is a financed Ace Hardware — 309 mapped.

Financed Ace Hardware locations — list all 309 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(73)
  2. 2.Wells Fargo Bank National Association(29)
  3. 3.National Cooperative Bank, National Association (14)
  4. 4.The Huntington National Bank(12)
  5. 5.Nicolet National Bank(8)

Most active states

  1. 1.Texas (36 loans)
  2. 2.California (31 loans)
  3. 3.Georgia (24 loans)
  4. 4.Michigan (20 loans)
  5. 5.Ohio (14 loans)
  6. 6.Minnesota (13 loans)
  7. 7.Wisconsin (13 loans)
  8. 8.Colorado (13 loans)

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Common questions

How much does a Ace Hardware cost to buy or open?

The typical deal for Ace Hardware is $642K across 309 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $71K of buyer cash on a typical deal.

How risky is Ace Hardware?

0% of Ace Hardware's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Ace Hardware with an SBA loan?

Yes — Ace Hardware has been SBA-financed 63 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Ace Hardware franchise

Most Ace Hardware buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Ace Hardware deal financed for $642K, which points to about $71K of buyer cash on a typical purchase. Ace Hardware is listed in the SBA Franchise Directory (identifier S0067), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Ace Hardware — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Ace Hardware — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Ace Hardware — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Ace Hardware is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 309 SBA 7(a) deals since 2020
  • $642K typical deal
  • 63 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0067)
  • Top lenders: Live Oak Banking Company, Wells Fargo Bank National Association, National Cooperative Bank, National Association

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/ace-hardware
API:
https://www.capbench.com/api/public/franchises/ace-hardware
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ace Hardware.

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