Retail & Shops · lender intelligence
How to finance a Ace Hardware in New Jersey
The SBA 7(a) lenders funding the most Ace Hardware deals in New Jersey, 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 New Jersey
$768K
Typical loan
range $250K–$3.19M
$853K
Est. purchase price
≈ loan ÷ 90%
$117,013
Cash to close
$85,333 down + fees
$9,938/mo
Typical payment
~9.5% · 10yr
$137,144/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
4
Lenders competing
more = leverage
8.38%
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 New Jersey
Ranked by funded Ace Hardware loans in New Jersey. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.868 loans · $362M · Salt Lake City, UTFull record →
- 3.31 loans · $24M · Malvern, PAFull record →
- 4.9 loans · $10M · Garden City Park, NYFull record →
4+ funded Ace Hardware in New Jersey 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.
- Barnegat Ace LLC in Barnegat, NJ — $250K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 27 days
- Approved
- 1/23/2026
- First disbursed
- 2/19/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- 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
- BRITE LUMBER in New Egypt, NJ — $150K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Hardware Retailers
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Cornerstone Hardware LLC in Harrison, NJ — $3.2M (2022) · Customers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 21 days
- Approved
- 8/17/2022
- First disbursed
- 9/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Brite Lumber in New Egypt, NJ — $768K (2020) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $576K (75%)
- Approval → funding
- 18 days
- Approved
- 12/13/2019
- First disbursed
- 12/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Home Centers
Funded by Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in New Jersey? 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 New Jersey project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in New Jersey with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New Jersey deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $642K typical Ace Hardware loan
- 4 lenders active in New Jersey
- 4+ funded New Jersey deals
- 21 days typical to fund
Buyers buying a Ace Hardware in New Jersey 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.