Retail & Shops · lender intelligence
How to finance a Ace Hardware in California
The SBA 7(a) lenders funding the most Ace Hardware deals in California, 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 California
$600K
Typical loan
range $350K–$1.00M
$667K
Est. purchase price
≈ loan ÷ 90%
$89,167
Cash to close
$66,667 down + fees
$7,764/mo
Typical payment
~9.5% · 10yr
$107,143/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
11
Lenders competing
more = leverage
7.1%
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 California
Ranked by funded Ace Hardware loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.19 loans · $5M · Roseville, CAFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.20 loans · $8M · Saint Petersburg, FLFull record →
- 5.16 loans · $21M · Fremont, CAFull record →
- 6.20 loans · $14M · Arlington Heights, ILFull record →
- 7.618 loans · $171M · Salt Lake City, UTFull record →
31+ funded Ace Hardware in California 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.
- 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
- 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
- Sherwood Hardware LLC in Chester, CA — $2.5M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 174 months
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 64 days
- Approved
- 7/9/2025
- First disbursed
- 9/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $2.8M
- Est. down payment (10%)
- $280K
- Est. cash at closing
- $386K
- Monthly payment
- $25,609
- Annual debt service
- $307K
- Cash flow needed (1.25×)
- $384K
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
- LuxBuild Supply Company, Inc. in Milpitas, CA — $640K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $480K (75%)
- Approved
- 8/1/2025
- 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
- Bernachet LLC in Larkspur, CA — $620K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $465K (75%)
- Approval → funding
- 42 days
- Approved
- 7/28/2025
- First disbursed
- 9/8/2025
- Loan status
- Current
- 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
- AMERICAN RIVER ACE HARDWARE, INCORPORATED in Folsom, CA — $500K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 5 days
- Approved
- 4/2/2025
- First disbursed
- 4/7/2025
- 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
- Seaside Ace Hardware LLC in Seaside, CA — $400K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 141 days
- Approved
- 3/10/2025
- First disbursed
- 7/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- 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
- Beeson Family Corporation in Cloverdale, CA — $350K (2025) · purchase · Village Bank and Trust, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 3 days
- Approved
- 1/6/2025
- First disbursed
- 1/9/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $5,455
- Annual debt service
- $65K
- Cash flow needed (1.25×)
- $82K
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 Village Bank and Trust, National Association · Lender record →
Your business? Claim this record · Request removal
- SAN DIMAS ACE HARDWARE in San Dimas, CA — $150K (2025) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 12.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 1 days
- Approved
- 5/1/2025
- First disbursed
- 5/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- Westgate Ace Hardware in San Jose, CA — $950K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $713K (75%)
- Approval → funding
- 13 days
- Approved
- 6/2/2023
- First disbursed
- 6/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- 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
- MILLER'S ACE HARDWARE LLC in Citrus Heights, CA — $935K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 126 months
- SBA guaranteed
- $701K (75%)
- Approval → funding
- 61 days
- Approved
- 1/27/2023
- First disbursed
- 3/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- 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
- EMIGH HARDWARE CO in Sacramento, CA — $800K (2023) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 8 days
- Approved
- 1/11/2023
- First disbursed
- 1/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
- Franklin's Ace Hardware & Garden Center in Ventura, CA — $775K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $581K (75%)
- Approval → funding
- 170 days
- Approved
- 9/27/2023
- First disbursed
- 3/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 46
- 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
- HOVIS HARDWARE INC in Burney, CA — $40K (2023) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.49% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 7 days
- Approved
- 1/30/2023
- First disbursed
- 2/6/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Hardware Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Jackson Ace Hardware in Jackson, CA — $2.2M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.71% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 61 days
- Approved
- 7/13/2022
- First disbursed
- 9/12/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $244K
- Est. cash at closing
- $337K
- Monthly payment
- $15,145
- Annual debt service
- $182K
- Cash flow needed (1.25×)
- $227K
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
- Chase Ace Hardware in Sunnyvale, CA — $1.2M (2022) · Fremont Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 14 days
- Approved
- 6/17/2022
- First disbursed
- 7/1/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 125
- Business age
- New Business or 2 years or less
- Industry
- Hardware Retailers
Funded by Fremont Bank · Lender record →
Your business? Claim this record · Request removal
- Hovis Hardware Inc in Burney, CA — $612K (2022) · U.S. Bank, National Association
- Program
- 7a General
- Rate at approval
- 4.53% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $459K (75%)
- Approval → funding
- 27 days
- Approved
- 3/9/2022
- First disbursed
- 4/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Duke's Hardware in San Francisco, CA — $320K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 75 days
- Approved
- 5/20/2022
- First disbursed
- 8/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $3,593
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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
- Jackson Ace Hardware in Jackson, CA — $300K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.23% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approval → funding
- 61 days
- Approved
- 7/13/2022
- First disbursed
- 9/12/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,519
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $53K
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
- PDT Retail Holdings Inc in Gridley, CA — $200K (2022) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approval → funding
- 22 days
- Approved
- 12/9/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in California? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 11 lenders active in California
- 31+ funded California deals
- 27 days typical to fund
Buyers buying a Ace Hardware in California 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
- 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.