Retail & Shops · lender intelligence

How to finance a Ace Hardware in New York

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 New York, 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 York

$925K

Typical loan

range $820K–$1.80M

$1.03M

Est. purchase price

≈ loan ÷ 90%

$140,934

Cash to close

$102,778 down + fees

$11,969/mo

Typical payment

~9.5% · 10yr

$165,172/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

35 days

Typical time to fund

Lenders competing

more = leverage

6.57%

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 York

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.4 loans · $4M · Hauppauge, NYFull record →
3.328 loans · $134M · Cleveland, OHFull record →

6+ funded Ace Hardware in New York 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.

Nuts & Boltz Works, Inc. in East Moriches, NY — $3.7M (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
312 mo (26 yrs)
SBA guaranteed
$2.8M (75%)
Approved
12/1/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
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
GREATEST CORP. in Wading River, NY — $925K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$694K (75%)
Approval → funding
62 days
Approved
9/9/2022
First disbursed
11/10/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
GREATEST CORP. in Port Jefferson Station, NY — $910K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$683K (75%)
Approval → funding
35 days
Approved
9/9/2022
First disbursed
10/14/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
GREATEST CORP. in East Setauket, NY — $751K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
35 days
Approved
9/9/2022
First disbursed
10/14/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Chestnut Hill Enterprises, Inc. in Southold, NY — $1.8M (2021) · purchase · Dime Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approved
11/24/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$200K
Est. cash at closing
$275K
Monthly payment
$19,984
Annual debt service
$240K
Cash flow needed (1.25×)
$300K
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 Dime Community Bank · Lender record →
Your business? Claim this record · Request removal
Mannys Ace Hardware East Aurora Inc. in East Aurora, NY — $820K (2021) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$738K (90%)
Approval → funding
15 days
Approved
7/16/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
70
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Ace Hardware in New York? 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.

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 New York project address. Mega-bank call-center lenders excluded.

Agent summary

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

$642K typical Ace Hardware loan
4 lenders active in New York
6+ funded New York deals
35 days typical to fund

Buyers buying a Ace Hardware in New York 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/new-york
API:: https://www.capbench.com/api/public/lenders?franchise=ace-hardware&state=NY
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.