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How to finance a Ace Hardware in North Carolina

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 North Carolina, 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 North Carolina

$1.26M

Typical loan

range $564K–$2.08M

$1.40M

Est. purchase price

≈ loan ÷ 90%

$191,975

Cash to close

$140,000 down + fees

$16,304/mo

Typical payment

~9.5% · 10yr

$224,995/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

89 days

Typical time to fund

2

Lenders competing

more = leverage

5.92%

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 North Carolina

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

  1. 1.1,296 loans · $1.4B · Wilmington, NCFull record →

6+ funded Ace Hardware in North Carolina 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.

  • FORGE MJC, LLC in Huntersville, NC — $936K (2026) · Live Oak Banking Company
  • LORI'S ACE HOME & HARDWARE in Fayetteville, NC — $1.3M (2022) · Live Oak Banking Company
  • Farmer's Hardware Inc. in Goldsboro, NC — $115K (2022) · Wells Fargo Bank National Association
  • J. Herrin Enterprises Inc. in New Bern, NC — $2.1M (2021) · Live Oak Banking Company
  • Farmers Hardware in Seven Springs, NC — $564K (2021) · Wells Fargo Bank National Association
  • WXW Hardware LLC in Waxhaw, NC — $2.1M (2020) · Wells Fargo Bank National Association

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

Agent summary

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

  • $642K typical Ace Hardware loan
  • 2 lenders active in North Carolina
  • 6+ funded North Carolina deals
  • 89 days typical to fund

Buyers buying a Ace Hardware in North Carolina 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 dealTalk to a loan brokerAll Ace Hardware lenders
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
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/north-carolina
API:
https://www.capbench.com/api/public/lenders?franchise=ace-hardware&state=NC
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.
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