Retail & Shops · lender intelligence

How to finance a Ace Hardware in Colorado

State:

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

$850K

Typical loan

range $575K–$1.43M

$944K

Est. purchase price

≈ loan ÷ 90%

$129,507

Cash to close

$94,444 down + fees

$10,999/mo

Typical payment

~9.5% · 10yr

$151,786/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

6.04%

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 Colorado

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

1.618 loans · $171M · Salt Lake City, UTFull record →
2.242 loans · $281M · Chicago, ILFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.16 loans · $18M · Chicago, ILFull record →
5.25 loans · $38M · Oklahoma City, OKFull record →
6.6 loans · $2M · Fort Morgan, COFull record →

13+ funded Ace Hardware in Colorado 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.

Ace Gardens on Havana in Aurora, CO — $1.6M (2023) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
98 days
Approved
5/17/2023
First disbursed
8/23/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
34
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
High Altitude Hardware LLC in Leadville, CO — $975K (2023) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$731K (75%)
Approval → funding
21 days
Approved
12/15/2022
First disbursed
1/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$108K
Est. cash at closing
$149K
Monthly payment
$12,750
Annual debt service
$153K
Cash flow needed (1.25×)
$191K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
SEMM Columbine LLC in Littleton, CO — $850K (2022) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$638K (75%)
Approval → funding
31 days
Approved
4/4/2022
First disbursed
5/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
SEMM Columbine LLC in Littleton, CO — $735K (2022) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$551K (75%)
Approved
3/11/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Retailers
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Stillwaugh, Inc. in Westminster, CO — $350K (2022) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
25 days
Approved
2/10/2022
First disbursed
3/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
34
Business age
Existing or more than 2 years old
Industry
Home Centers
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
HYKES ENTEPRISES LLC in Greeley, CO — $305K (2022) · FMS Bank
Program
Preferred Lenders Program
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$229K (75%)
Approval → funding
25 days
Approved
4/14/2022
First disbursed
5/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by FMS Bank · Lender record →
Your business? Claim this record · Request removal
CapMax Inc in Vail, CO — $3.8M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.5M (90%)
Approval → funding
192 days
Approved
9/21/2021
First disbursed
4/1/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Hardware Stores
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Ace Hardware of Johnstown LLC in Johnstown, CO — $1.4M (2021) · purchase · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.2% fixed
Term
200 months
SBA guaranteed
$1.1M (75%)
Approval → funding
25 days
Approved
11/5/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$159K
Est. cash at closing
$218K
Monthly payment
$9,963
Annual debt service
$120K
Cash flow needed (1.25×)
$149K
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
SEMM Retail Ventures LLC in Aurora, CO — $958K (2021) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$862K (90%)
Approval → funding
1 days
Approved
4/14/2021
First disbursed
4/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$146K
Monthly payment
$10,156
Annual debt service
$122K
Cash flow needed (1.25×)
$152K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Golden Ace Hardware in Golden, CO — $325K (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
126 months
SBA guaranteed
$293K (90%)
Approval → funding
65 days
Approved
8/17/2021
First disbursed
10/21/2021
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 Stores
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Big Johns Building Supply, LLC in Cedaredge, CO — $2.0M (2020) · purchase · MidFirst Bank
Program
Preferred Lenders Program
Rate at approval
4.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
41 days
Approved
11/20/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$223K
Est. cash at closing
$307K
Monthly payment
$11,431
Annual debt service
$137K
Cash flow needed (1.25×)
$171K
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 MidFirst Bank · Lender record →
Your business? Claim this record · Request removal
Niksha, Inc. in Littleton, CO — $615K (2020) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$461K (75%)
Approval → funding
30 days
Approved
10/1/2019
First disbursed
10/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Linmark Inc. in Louisville, CO — $575K (2020) · Wells Fargo Bank National Association
Program
7a General
Rate at approval
5.3% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
262 days
Approved
6/11/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
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

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

Agent summary

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

$642K typical Ace Hardware loan
7 lenders active in Colorado
13+ funded Colorado deals
31 days typical to fund

Buyers buying a Ace Hardware in Colorado 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/colorado
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.