Imeca Lumber & Hardware, by the numbers

Imeca Lumber & Hardware appears in 2 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S4002)

2 deals since 2020 · typical deal $1.6M

Deals since 2020

$1.6M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Imeca Lumber & Hardware has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Imeca Lumber & Hardware

Most Imeca Lumber & Hardware deals financed between $125K and $1.60M. Above $1.60M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.60M

Monthly payment (10-yr): $20,923
Down payment (10%): $178K
Cash to close (all-in): $244K

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 ~$244K)

Experience

Recent financings

Sierra Lumber, LLC in Willcox, AZ — $1.6M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (90%)
Approval → funding
3 days
Approved
6/22/2021
First disbursed
6/25/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$17,563
Annual debt service
$211K
Cash flow needed (1.25×)
$263K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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Sierra Lumber, LLC in Willcox, AZ — $125K (2021) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$94K (75%)
Approval → funding
3 days
Approved
6/22/2021
First disbursed
6/25/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$139K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,311
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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Who funds Imeca Lumber & Hardware — and where

Every dot is a financed Imeca Lumber & Hardware — 2 mapped.

Financed Imeca Lumber & Hardware locations — list all 2 as text

Sierra Lumber, LLC — Willcox · $125K · FY2021 · Hardware Stores
Sierra Lumber, LLC — Willcox · $1.6M · FY2021 · Hardware Stores

Top lenders for this brand

1.Live Oak Banking Company(2)

Most active states

1.Arizona (2 loans)Imeca Lumber & Hardware lenders in Arizona->

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Insider move

Start with the lenders above — a bank that's funded Imeca Lumber & Hardware 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Imeca Lumber & Hardware lending specialist.

Common questions

How much does a Imeca Lumber & Hardware cost to buy or open?

The typical deal for Imeca Lumber & Hardware is $1.6M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $176K of buyer cash on a typical deal.

How risky is Imeca Lumber & Hardware?

Imeca Lumber & Hardware has 2 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Imeca Lumber & Hardware with an SBA loan?

Yes — Imeca Lumber & Hardware has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Imeca Lumber & Hardware franchise

Most Imeca Lumber & 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 Imeca Lumber & Hardware deal financed for $1.6M, which points to about $176K of buyer cash on a typical purchase. Imeca Lumber & Hardware is listed in the SBA Franchise Directory (identifier S4002), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Imeca Lumber & 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 Imeca Lumber & 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 Imeca Lumber & Hardware — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Imeca Lumber & Hardware is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$1.6M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S4002)
Top lenders: Live Oak Banking Company

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-28.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/imeca-lumber-hardware
API:: https://www.capbench.com/api/public/franchises/imeca-lumber-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 Imeca Lumber & Hardware.