Retail & Shops · lender intelligence

How to finance a Ace Hardware in Florida

State:

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

$1.48M

Typical loan

range $1.33M–$1.82M

$1.64M

Est. purchase price

≈ loan ÷ 90%

$225,769

Cash to close

$164,444 down + fees

$19,151/mo

Typical payment

~9.5% · 10yr

$264,284/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

42 days

Typical time to fund

Lenders competing

more = leverage

6.05%

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 Florida

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

1.14 loans · $23M · Miami Lakes, FLFull record →
2.16 loans · $13M · Dearborn, MIFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →

9+ funded Ace Hardware in Florida 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.

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
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
ESJ Hardware LLC in Quincy, FL — $1.8M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
299 months
SBA guaranteed
$1.4M (75%)
Approval → funding
85 days
Approved
9/25/2025
First disbursed
12/19/2025
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
$2.0M
Est. down payment (10%)
$203K
Est. cash at closing
$279K
Monthly payment
$14,694
Annual debt service
$176K
Cash flow needed (1.25×)
$220K
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
Commercial Beach Hardware, Inc. in Lauderdale By The Sea, FL — $1.7M (2022) · purchase · Patriot Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
42 days
Approved
12/14/2021
First disbursed
1/25/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$267K
Monthly payment
$19,373
Annual debt service
$232K
Cash flow needed (1.25×)
$291K
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 Patriot Bank, National Association
Your business? Claim this record · Request removal
Max's Ace Hardware , LLC in Haines City, FL — $1.5M (2022) · purchase · Bank of Central Florida
Program
7a General
Rate at approval
4% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
16 days
Approved
12/15/2021
First disbursed
12/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$164K
Est. cash at closing
$226K
Monthly payment
$7,812
Annual debt service
$94K
Cash flow needed (1.25×)
$117K
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 Central Florida
Your business? Claim this record · Request removal
ACE Hardware of Tampa LLC in Tampa, FL — $556K (2021) · DFCU Financial
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$500K (90%)
Approval → funding
3 days
Approved
5/28/2021
First disbursed
5/31/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by DFCU Financial · Lender record →
Your business? Claim this record · Request removal
RIGNEY'S WPB HARDWARE COMPANY in Greenacres, FL — $623K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
117 months
SBA guaranteed
$467K (75%)
Approval → funding
102 days
Approved
10/21/2019
First disbursed
1/31/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
22
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 Florida? 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 Florida project address. Mega-bank call-center lenders excluded.

Agent summary

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

$642K typical Ace Hardware loan
7 lenders active in Florida
9+ funded Florida deals
42 days typical to fund

Buyers buying a Ace Hardware in Florida 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/florida
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.