Retail & Shops · lender intelligence

How to finance a Ace Hardware in Alabama

State:

The SBA 7(a) lenders funding the most Ace Hardware deals in Alabama, from public loan records — typical Ace Hardware loan about $642K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Ace Hardware in Alabama

$626K

Typical loan

range $570K–$1.02M

$695K

Est. purchase price

≈ loan ÷ 90%

$92,971

Cash to close

$69,511 down + fees

$8,095/mo

Typical payment

~9.5% · 10yr

$111,711/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

49 days

Typical time to fund

Lenders competing

more = leverage

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 in Alabama

Ranked by funded Ace Hardware loans in Alabama. Tap a lender for its full record, or hit Get in touch for an introduction.

1.62 loans · $34M · Winter Haven, FLFull record →
2.5 loans · $5M · Prattville, ALFull record →

5+ funded Ace Hardware in Alabama 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.

Lone Key Investments, LLC in Vestavia Hills, AL — $570K (2026) · River Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$428K (75%)
Approval → funding
63 days
Approved
11/24/2025
First disbursed
1/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by River Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Paris Ace Foley Inc in Foley, AL — $1.8M (2023) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
36 days
Approved
11/10/2022
First disbursed
12/16/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Retailers
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
LAH Inc. in Rainsville, AL — $500K (2021) · First Bank of Alabama
Program
7a General
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (90%)
Approval → funding
39 days
Approved
2/25/2021
First disbursed
4/5/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by First Bank of Alabama
Your business? Claim this record · Request removal
Walker Land Holding, LLC in Guntersville, AL — $1.0M (2020) · purchase · Citizens Bank & Trust
Program
7a General
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$765K (75%)
Approval → funding
52 days
Approved
10/9/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$113K
Est. cash at closing
$155K
Monthly payment
$6,417
Annual debt service
$77K
Cash flow needed (1.25×)
$96K
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 Citizens Bank & Trust
Your business? Claim this record · Request removal
Britt's Ace, Inc. in Gardendale, AL — $626K (2020) · Fountainhead SBF LLC
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approval → funding
49 days
Approved
12/13/2019
First disbursed
1/31/2020
Loan status
Paid in full (2/28/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by Fountainhead SBF LLC
Your business? Claim this record · Request removal

Buying a Ace Hardware in Alabama? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a Alabama project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Ace Hardware purchase in Alabama with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Alabama deals. SouthState Bank, National Association funds the most here. CapBench is not a lender.

$642K typical Ace Hardware loan
5 lenders active in Alabama
5+ funded Alabama deals
49 days typical to fund

Buyers buying a Ace Hardware in Alabama typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Ace Hardware lenders

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/lenders/franchise/ace-hardware/alabama
API:: https://www.capbench.com/api/public/lenders?franchise=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.