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How to finance a Ace Hardware in Massachusetts

State:

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

$495K

Typical loan

range $120K–$1.95M

$550K

Est. purchase price

≈ loan ÷ 90%

$73,563

Cash to close

$55,000 down + fees

$6,405/mo

Typical payment

~9.5% · 10yr

$88,389/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

6.25%

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 Massachusetts

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

1.72 loans · $22M · Rockland, MAFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.3,264 loans · $846M · Miami, FLFull record →

4+ funded Ace Hardware in Massachusetts 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.

Charlestown Ace Hardware in Charlestown, MA — $120K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$102K (85%)
Approval → funding
28 days
Approved
12/2/2025
First disbursed
12/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Home and Garden Equipment Repair and Maintenance
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Marblehead Hardware in Marblehead, MA — $1.9M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.8M (90%)
Approval → funding
11 days
Approved
2/5/2021
First disbursed
2/16/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$217K
Est. cash at closing
$298K
Monthly payment
$12,564
Annual debt service
$151K
Cash flow needed (1.25×)
$188K
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
Woodside Hardware Co., Inc. in Winthrop, MA — $495K (2021) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$371K (75%)
Approval → funding
228 days
Approved
12/4/2020
First disbursed
7/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$550K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$5,190
Annual debt service
$62K
Cash flow needed (1.25×)
$78K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Woodside Hardware Co., Inc. in Winthrop, MA — $50K (2021) · purchase · Rockland Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
12 mo (1 yrs)
SBA guaranteed
$25K (50%)
Approved
12/4/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$4,263
Annual debt service
$51K
Cash flow needed (1.25×)
$64K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$642K typical Ace Hardware loan
3 lenders active in Massachusetts
4+ funded Massachusetts deals
28 days typical to fund

Buyers buying a Ace Hardware in Massachusetts 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/massachusetts
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.