Retail & Shops · lender intelligence
How to finance a Ace Hardware in Idaho
The SBA 7(a) lenders funding the most Ace Hardware deals in Idaho, 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 Idaho
$5.00M
Typical loan
range $100K–$5.00M
$5.56M
Est. purchase price
≈ loan ÷ 90%
$768,681
Cash to close
$555,556 down + fees
$64,699/mo
Typical payment
~9.5% · 10yr
$892,846/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
58 days
Typical time to fund
2
Lenders competing
more = leverage
9.25%
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 Idaho
Ranked by funded Ace Hardware loans in Idaho. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.4 loans · $1M · White Castle, LAFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
2+ funded Ace Hardware in Idaho 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.
- Fresh Hardware Inc. in Burley, ID — $5.0M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 186 months
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 53 days
- Approved
- 7/31/2025
- First disbursed
- 9/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 37
- 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
- $48,453
- Annual debt service
- $581K
- Cash flow needed (1.25×)
- $727K
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
- AF Ace Hardware & Lumber, LLC in American Falls, ID — $100K (2024) · The Bank of Commerce
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 58 days
- Approved
- 7/3/2024
- First disbursed
- 8/30/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by The Bank of Commerce · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in Idaho? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a Idaho project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in Idaho with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Idaho deals. The Bank of Commerce funds the most here. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 2 lenders active in Idaho
- 2+ funded Idaho deals
- 58 days typical to fund
Buyers buying a Ace Hardware in Idaho 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 2026-06-18.
- 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.