Retail & Shops · lender intelligence

How to finance a Ace Hardware in Maryland

State:

Alabama (5)Arizona (11)Arkansas (4)California (31)Colorado (13)Connecticut (4)District of Columbia (2)Florida (9)Georgia (24)Idaho (2)Illinois (6)Indiana (12)

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

$733K

Typical loan

range $430K–$1.15M

$814K

Est. purchase price

≈ loan ÷ 90%

$111,680

Cash to close

$81,444 down + fees

$9,485/mo

Typical payment

~9.5% · 10yr

$130,893/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

51 days

Typical time to fund

Lenders competing

more = leverage

6.91%

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 Maryland

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.128 loans · $40M · Wilmington, DEFull record →

6+ funded Ace Hardware in Maryland 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.

CLEARSCAI CO. in Cheverly, MD — $733K (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$550K (75%)
Approved
1/23/2026
Loan status
Committed
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
B.T.D.K., INC in Churchton, MD — $430K (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$323K (75%)
Approval → funding
51 days
Approved
3/5/2025
First disbursed
4/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
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
A&J Clark LLC in Columbia, MD — $1.1M (2022) · National Cooperative Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.95% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$863K (75%)
Approval → funding
66 days
Approved
12/13/2021
First disbursed
2/17/2022
Loan status
Paid in full (6/30/2024)
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 National Cooperative Bank, National Association
Your business? Claim this record · Request removal
AceDMV, L.L.C. in Capitol Heights, MD — $565K (2021) · National Cooperative Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$424K (75%)
Approval → funding
128 days
Approved
12/21/2020
First disbursed
4/28/2021
Loan status
Delinquent
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 National Cooperative Bank, National Association
Your business? Claim this record · Request removal
DION & MARK PROPERTY MANAGEMENT, LLC in Pocomoke City, MD — $1.6M (2020) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
220 months
SBA guaranteed
$1.2M (75%)
Approval → funding
10 days
Approved
11/20/2019
First disbursed
11/30/2019
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
$1.7M
Est. down payment (10%)
$173K
Est. cash at closing
$238K
Monthly payment
$11,718
Annual debt service
$141K
Cash flow needed (1.25×)
$176K
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 PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ACE OF EASTERN SHORE, INC. in Pocomoke City, MD — $50K (2020) · PNC Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
41 days
Approved
11/20/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Unanswered
Industry
Hardware Stores
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Ace Hardware in Maryland? 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 Maryland project address. Mega-bank call-center lenders excluded.

Agent summary

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

$642K typical Ace Hardware loan
3 lenders active in Maryland
6+ funded Maryland deals
51 days typical to fund

Buyers buying a Ace Hardware in Maryland 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 2026-06-22.
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/maryland
API:: https://www.capbench.com/api/public/lenders?franchise=ace-hardware&state=MD
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.