Retail & Shops · lender intelligence

How to finance a Ace Hardware in Arizona

State:

The SBA 7(a) lenders funding the most Ace Hardware deals in Arizona, 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 Arizona

$769K

Typical loan

range $500K–$2.49M

$854K

Est. purchase price

≈ loan ÷ 90%

$117,090

Cash to close

$85,389 down + fees

$9,944/mo

Typical payment

~9.5% · 10yr

$137,227/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

42 days

Typical time to fund

Lenders competing

more = leverage

6.66%

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 Arizona

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.75 loans · $98M · Sioux Falls, SDFull record →
3.16 loans · $21M · Las Vegas, NVFull record →
4.16 loans · $18M · Chicago, ILFull record →
5.60 loans · $40M · Clayton, MOFull record →

11+ funded Ace Hardware in Arizona 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.

Superstition Hardware, LLC in San Tan Valley, AZ — $5.0M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
172 months
SBA guaranteed
$3.8M (75%)
Approval → funding
42 days
Approved
6/25/2025
First disbursed
8/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
228
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$47,524
Annual debt service
$570K
Cash flow needed (1.25×)
$713K
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
RUGGIERO'S ACE HARDWARE in Gilbert, AZ — $2.8M (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
192 mo (16 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
42 days
Approved
6/25/2025
First disbursed
8/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
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
Papago Trading Post, Inc. in Tucson, AZ — $769K (2025) · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$576K (75%)
Approval → funding
71 days
Approved
3/25/2025
First disbursed
6/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
RUGGIERO'S ACE HARDWARE in Gilbert, AZ — $500K (2025) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
43 days
Approved
6/24/2025
First disbursed
8/6/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
100
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
White's Hardware, Inc in Tucson, AZ — $250K (2023) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
29 days
Approved
5/8/2023
First disbursed
6/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Burge Gabriel LLC in Kingman, AZ — $1.3M (2022) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$974K (75%)
Approval → funding
9 days
Approved
2/28/2022
First disbursed
3/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$198K
Monthly payment
$8,369
Annual debt service
$100K
Cash flow needed (1.25×)
$126K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
KKC Hardware, LLC in Laveen, AZ — $680K (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$612K (90%)
Approval → funding
80 days
Approved
3/25/2021
First disbursed
6/13/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
26
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
WM Family Holdings, LLC in Buckeye, AZ — $562K (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$506K (90%)
Approval → funding
32 days
Approved
3/1/2021
First disbursed
4/2/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Broadway and Central Inc in Phoenix, AZ — $298K (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$268K (90%)
Approval → funding
22 days
Approved
6/8/2021
First disbursed
6/30/2021
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
$331K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,312
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Zupert LLC in Anthem, AZ — $2.5M (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.6% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
43 days
Approved
9/18/2020
First disbursed
10/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
REDD GROUP LLC in Page, AZ — $1.2M (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$874K (75%)
Approval → funding
79 days
Approved
3/13/2020
First disbursed
5/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
22
Business age
Unanswered
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Ace Hardware in Arizona? 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.

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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 Arizona project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Ace Hardware purchase in Arizona with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Arizona deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$642K typical Ace Hardware loan
6 lenders active in Arizona
11+ funded Arizona deals
42 days typical to fund

Buyers buying a Ace Hardware in Arizona 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 2026-06-18.
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/arizona
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.