Retail & Shops · lender intelligence
How to finance a Ace Hardware in Georgia
The SBA 7(a) lenders funding the most Ace Hardware deals in Georgia, 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 Georgia
$800K
Typical loan
range $400K–$1.48M
$889K
Est. purchase price
≈ loan ÷ 90%
$121,889
Cash to close
$88,889 down + fees
$10,352/mo
Typical payment
~9.5% · 10yr
$142,858/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
15
Lenders competing
more = leverage
6.2%
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 Georgia
Ranked by funded Ace Hardware loans in Georgia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.4 loans · $2M · Milton, WIFull record →
- 4.4 loans · $7M · Lawrenceville, GAFull record →
- 5.1 loans · $1M · Alma, GAFull record →
- 6.9 loans · $13M · Atlanta, GAFull record →
- 7.274 loans · $315M · Los Angeles, CAFull record →
- 8.60 loans · $130M · Doraville, GAFull record →
- 9.32 loans · $54M · Tupelo, MSFull record →
- 10.66 loans · $68M · Milford, IAFull record →
- 11.4 loans · $5M · Atlanta, GAFull record →
- 12.1 loans · $1M · Loganville, GAFull record →
24+ funded Ace Hardware in Georgia 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.
- West Paces Ace Hardware, LLC in Atlanta, GA — $90K (2026) · First Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $45K (50%)
- Approval → funding
- 12 days
- Approved
- 11/13/2025
- First disbursed
- 11/25/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by First Community Bank · Lender record →
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- Omaajaya, Inc. in Marietta, GA — $250K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 3 days
- Approved
- 9/2/2025
- First disbursed
- 9/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
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- Street Auto Parts and Hardware, Inc. in Montezuma, GA — $1.6M (2024) · purchase · Morris Bank
- Program
- 7a General
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 164 days
- Approved
- 9/24/2024
- First disbursed
- 3/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Automotive Parts and Accessories Retailers
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $183K
- Est. cash at closing
- $251K
- Monthly payment
- $21,063
- Annual debt service
- $253K
- Cash flow needed (1.25×)
- $316K
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 Morris Bank
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- ACE HARDWARE in Locust Grove, GA — $2.7M (2023) · Metro City Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 283 days
- Approved
- 7/3/2023
- First disbursed
- 4/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Metro City Bank · Lender record →
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- Blue Sky Hardware LLC in Griffin, GA — $1.1M (2023) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $839K (75%)
- Approval → funding
- 32 days
- Approved
- 7/30/2023
- First disbursed
- 8/31/2023
- 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
- $1.2M
- Est. down payment (10%)
- $124K
- Est. cash at closing
- $170K
- Monthly payment
- $14,467
- Annual debt service
- $174K
- Cash flow needed (1.25×)
- $217K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Crabapple Ace Hardware in Alpharetta, GA — $1.0M (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $769K (75%)
- Approval → funding
- 9 days
- Approved
- 12/6/2022
- First disbursed
- 12/15/2022
- 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 Retailers
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $114K
- Est. cash at closing
- $156K
- Monthly payment
- $12,301
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $185K
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
- Builders Supply Inc - Camden in Kingsland, GA — $2.7M (2022) · Pineland Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approved
- 4/21/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Home Centers
Funded by Pineland Bank · Lender record →
Your business? Claim this record · Request removal
- A-PLUS HARDWARE INC in Adairsville, GA — $830K (2022) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $623K (75%)
- Approved
- 12/20/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
- Jay's Hardware Inc in Wrens, GA — $420K (2022) · Renasant Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (75%)
- Approval → funding
- 6 days
- Approved
- 10/28/2021
- First disbursed
- 11/3/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by Renasant Bank · Lender record →
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- Woodstock Hardware LLC in Woodstock, GA — $210K (2022) · purchase · Georgia Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 2.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 14 days
- Approved
- 2/17/2022
- First disbursed
- 3/3/2022
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Not 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
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,004
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $30K
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 Georgia Banking Company · Lender record →
Your business? Claim this record · Request removal
- Ace Hardware Toco Hills in Atlanta, GA — $100K (2022) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 16 days
- Approved
- 3/23/2022
- First disbursed
- 4/8/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
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- Mack's Property Group, LLC in Madison, GA — $2.9M (2021) · Legacy State Bank
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.6M (90%)
- Approval → funding
- 171 days
- Approved
- 7/13/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by Legacy State Bank · Lender record →
Your business? Claim this record · Request removal
- West Paces Ace Hardware, LLC in Atlanta, GA — $1.4M (2021) · purchase · First Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (90%)
- Approval → funding
- 6 days
- Approved
- 5/6/2021
- First disbursed
- 5/12/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $155K
- Est. cash at closing
- $213K
- Monthly payment
- $15,139
- 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 First Community Bank · Lender record →
Your business? Claim this record · Request removal
- Stafford Partners Grant Park, LLC in Atlanta, GA — $1.1M (2021) · Ameris Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (90%)
- Approval → funding
- 1 days
- Approved
- 4/29/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
- SAI RAM MANAGEMENT INC in East Dublin, GA — $800K (2021) · Pineland Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $720K (90%)
- Approval → funding
- 22 days
- Approved
- 9/8/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by Pineland Bank · Lender record →
Your business? Claim this record · Request removal
- JTR STONE CREEK, INC. in Monroe, GA — $650K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $585K (90%)
- Approval → funding
- 56 days
- Approved
- 9/23/2021
- First disbursed
- 11/18/2021
- 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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- TMC ACE ENTERPRISES, LLC in Atlanta, GA — $525K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $473K (90%)
- Approval → funding
- 22 days
- Approved
- 7/13/2021
- First disbursed
- 8/4/2021
- 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
- $583K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $78K
- Monthly payment
- $5,633
- Annual debt service
- $68K
- Cash flow needed (1.25×)
- $84K
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
- Byron Ace Hardware Inc in Byron, GA — $333K (2021) · Pinnacle Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (75%)
- Approval → funding
- 15 days
- Approved
- 10/19/2020
- First disbursed
- 11/3/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Byron Ace Hardware Inc in Byron, GA — $25K (2021) · Pinnacle Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 2 days
- Approved
- 11/17/2020
- First disbursed
- 11/19/2020
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- United Aace Corporation in Lithia Springs, GA — $1.5M (2020) · Embassy National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approved
- 11/14/2019
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by Embassy National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in Georgia? 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 Georgia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in Georgia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Georgia deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 15 lenders active in Georgia
- 24+ funded Georgia deals
- 16 days typical to fund
Buyers buying a Ace Hardware in Georgia 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 2026-06-17.
- 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.