Retail & Shops · lender intelligence
How to finance a Ace Hardware
The SBA 7(a) lenders funding the most Ace Hardware deals, ranked from public loan records — typical Ace Hardware loan about $642K, 0% failure rate across 309 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Ace Hardware
$642K
Typical loan
range $300K–$1.24M
$713K
Est. purchase price
≈ loan ÷ 90%
$95,379
Cash to close
$71,311 down + fees
$8,305/mo
Typical payment
~9.5% · 10yr
$114,609/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
28 days
Typical time to fund
103
Lenders competing
more = leverage
6.57%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Ace Hardware
Ranked by funded Ace Hardware loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.31 loans · $11M · Green Bay, WIFull record →
- 4.8 loans · $3M · Terrell, TXFull record →
- 5.242 loans · $281M · Chicago, ILFull record →
- 6.618 loans · $171M · Salt Lake City, UTFull record →
- 7.20 loans · $8M · Saint Petersburg, FLFull record →
- 8.13 loans · $18M · Roseburg, ORFull record →
- 9.116 loans · $120M · Evansville, INFull record →
- 10.9 loans · $10M · Warren, PAFull record →
- 11.19 loans · $5M · Roseville, CAFull record →
- 12.23 loans · $15M · Sparta, MIFull record →
- 13.16 loans · $18M · Chicago, ILFull record →
- 14.46 loans · $27M · Sartell, MNFull record →
- 15.3 loans · $2M · Minneapolis, MNFull record →
- 16.26 loans · $26M · Billings, MTFull record →
- 17.1 loans · $1M · Lincoln, NEFull record →
- 18.2 loans · $0M · Jasper, INFull record →
- 19.128 loans · $40M · Wilmington, DEFull record →
- 20.85 loans · $36M · Waterbury, CTFull record →
- 21.75 loans · $98M · Sioux Falls, SDFull record →
- 22.1 loans · $0M · Ludington, MIFull record →
- 23.4 loans · $2M · Milton, WIFull record →
- 24.62 loans · $34M · Winter Haven, FLFull record →
- 25.6 loans · $4M · Defiance, OHFull record →
309+ funded Ace Hardware deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- R&R Hardware Solutions LTD in N Little Rock, AR — $4.8M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.875% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.6M (75%)
- Approved
- 1/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- MKG ACE LLC in Adams, WI — $4.0M (2026) · purchase · BankVista
- Program
- Preferred Lenders Program
- Rate at approval
- 7.95% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 3 days
- Approved
- 1/13/2026
- First disbursed
- 1/16/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 70
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $4.4M
- Est. down payment (10%)
- $444K
- Est. cash at closing
- $614K
- Monthly payment
- $48,425
- Annual debt service
- $581K
- Cash flow needed (1.25×)
- $726K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
- Nuts & Boltz Works, Inc. in East Moriches, NY — $3.7M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $2.8M (75%)
- Approved
- 12/1/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Kermit Hardware LLC in Kermit, TX — $3.5M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 174 months
- SBA guaranteed
- $2.6M (75%)
- Approved
- 3/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Heights Ace Hardware in Billings, MT — $3.3M (2026) · purchase · First Interstate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 31 days
- Approved
- 1/27/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $362K
- Est. cash at closing
- $500K
- Monthly payment
- $39,097
- Annual debt service
- $469K
- Cash flow needed (1.25×)
- $586K
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 First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
- Matt's Ace Hardware LLC in Deltona, FL — $2.6M (2026) · purchase · BankUnited, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approved
- 1/26/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $291K
- Est. cash at closing
- $401K
- Monthly payment
- $17,250
- Annual debt service
- $207K
- Cash flow needed (1.25×)
- $259K
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 BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
- Matt's Ace Hardware LLC in Deltona, FL — $2.5M (2026) · purchase · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.85% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approved
- 3/3/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $275K
- Est. cash at closing
- $379K
- Monthly payment
- $17,499
- Annual debt service
- $210K
- Cash flow needed (1.25×)
- $262K
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 Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
- DCMC, INC. in Gardnerville, NV — $1.9M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 15 days
- Approved
- 11/19/2025
- First disbursed
- 12/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Sound Hardware Vashon Mercantile LLC in Vashon, WA — $1.6M (2026) · purchase · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $178K
- Est. cash at closing
- $244K
- Monthly payment
- $20,923
- Annual debt service
- $251K
- Cash flow needed (1.25×)
- $314K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
- Palmdale Ace LLC in Palmdale, CA — $1.4M (2026) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 8 days
- Approved
- 12/16/2025
- First disbursed
- 12/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Max's Ace Hardware , LLC in Haines City, FL — $1.4M (2026) · BankUnited, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $816K (60%)
- Approved
- 1/27/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
- Max's Ace Hardware , LLC in Haines City, FL — $1.3M (2026) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.85% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $998K (75%)
- Approved
- 3/3/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
- Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $934K (75%)
- Approval → funding
- 38 days
- Approved
- 11/24/2025
- First disbursed
- 1/1/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $138K
- Est. cash at closing
- $190K
- Monthly payment
- $14,613
- Annual debt service
- $175K
- Cash flow needed (1.25×)
- $219K
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 ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $864K (75%)
- Approval → funding
- 38 days
- Approved
- 11/24/2025
- First disbursed
- 1/1/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $128K
- Est. cash at closing
- $176K
- Monthly payment
- $8,329
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Ace Hardware of Walnut Lake LLC in West Bloomfield, MI — $1.1M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $794K (75%)
- Approval → funding
- 27 days
- Approved
- 11/18/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $118K
- Est. cash at closing
- $161K
- Monthly payment
- $12,296
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $184K
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 →
Your business? Claim this record · Request removal
- Rogers Group of Liberty LLC in Bixby, OK — $970K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 126 months
- SBA guaranteed
- $728K (75%)
- Approved
- 1/6/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- FORGE MJC, LLC in Huntersville, NC — $936K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $702K (75%)
- Approval → funding
- 79 days
- Approved
- 11/18/2025
- First disbursed
- 2/5/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CLEARSCAI CO. in Cheverly, MD — $733K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $550K (75%)
- Approved
- 1/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Pine River Hardware Corp. in Pine River, MN — $600K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 47 days
- Approved
- 11/19/2025
- First disbursed
- 1/5/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Orchard Marketplace, Inc. in Cathedral City, CA — $600K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approved
- 3/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Ace Hardware businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 0% failure rate (FY20–23)
- 103 lenders fund the brand
- 28 days typical to fund
Buyers researching a Ace Hardware typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.
- 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.