Retail & Shops · lender intelligence
How to finance a Ace Hardware in Montana
The SBA 7(a) lenders funding the most Ace Hardware deals in Montana, 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 Montana
$769K
Typical loan
range $50K–$3.26M
$854K
Est. purchase price
≈ loan ÷ 90%
$117,165
Cash to close
$85,444 down + fees
$9,951/mo
Typical payment
~9.5% · 10yr
$137,324/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
31 days
Typical time to fund
1
Lenders competing
more = leverage
6.67%
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 Montana
Ranked by funded Ace Hardware loans in Montana. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.26 loans · $26M · Billings, MTFull record →
3+ funded Ace Hardware in Montana 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.
- Heights Ace Hardware in Billings, MT — $3.3M (2026) · purchase · First Interstate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 31 days
- Approved
- 1/27/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $362K
- Est. cash at closing
- $500K
- Monthly payment
- $39,097
- Annual debt service
- $469K
- Cash flow needed (1.25×)
- $586K
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 Interstate Bank · Lender record →
Your business? Claim this record · Request removal
- Baker MT Hardware LLC in Baker, MT — $769K (2020) · purchase · First Interstate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $577K (75%)
- Approval → funding
- 19 days
- Approved
- 3/12/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $854K
- Est. down payment (10%)
- $85K
- Est. cash at closing
- $117K
- Monthly payment
- $8,441
- Annual debt service
- $101K
- Cash flow needed (1.25×)
- $127K
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 Interstate Bank · Lender record →
Your business? Claim this record · Request removal
- Baker MT Hardware LLC in Baker, MT — $50K (2020) · First Interstate Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 3/12/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in Montana? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a Montana project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in Montana with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Montana deals. First Interstate Bank funds the most here. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 1 lenders active in Montana
- 3+ funded Montana deals
- 31 days typical to fund
Buyers buying a Ace Hardware in Montana 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 2026-06-22.
- 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.