Retail & Shops · lender intelligence

How to finance a Ace Hardware in Ohio

State:

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

$532K

Typical loan

range $100K–$880K

$591K

Est. purchase price

≈ loan ÷ 90%

$79,061

Cash to close

$59,111 down + fees

$6,884/mo

Typical payment

~9.5% · 10yr

$94,999/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

5 days

Typical time to fund

Lenders competing

more = leverage

6.6%

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 Ohio

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.6 loans · $4M · Defiance, OHFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →
5.103 loans · $64M · Indiana, PAFull record →

14+ funded Ace Hardware in Ohio 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.

Kubicki Enterprises Inc in Macedonia, OH — $2.0M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% fixed
Term
216 mo (18 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
101 days
Approved
10/15/2024
First disbursed
1/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$224K
Est. cash at closing
$309K
Monthly payment
$18,593
Annual debt service
$223K
Cash flow needed (1.25×)
$279K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Kubicki Enterprises Inc in Macedonia, OH — $100K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
10/15/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,308
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Rogers Moore Enterprises, LLC in Loveland, OH — $1.0M (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
43 days
Approved
4/19/2023
First disbursed
6/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,668
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
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
Main Street Ace Hardware, LLC in Bowling Green, OH — $535K (2023) · purchase · The State Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$401K (75%)
Approval → funding
3 days
Approved
1/10/2023
First disbursed
1/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$594K
Est. down payment (10%)
$59K
Est. cash at closing
$79K
Monthly payment
$3,951
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 The State Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Main Street Ace Hardware, LLC in Bowling Green, OH — $297K (2023) · purchase · The State Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$223K (75%)
Approval → funding
3 days
Approved
1/10/2023
First disbursed
1/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$330K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,525
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 The State Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Dillonvale LLC in Cincinnati, OH — $880K (2021) · purchase · First Commonwealth Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% fixed
Term
91 months
SBA guaranteed
$440K (50%)
Approval → funding
0 days
Approved
8/26/2021
First disbursed
8/26/2021
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$978K
Est. down payment (10%)
$98K
Est. cash at closing
$134K
Monthly payment
$11,849
Annual debt service
$142K
Cash flow needed (1.25×)
$178K
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 Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Thrive Holdings Inc. in Plain City, OH — $625K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$563K (90%)
Approval → funding
5 days
Approved
2/23/2021
First disbursed
2/28/2021
Loan status
Paid in full (11/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$695K
Est. down payment (10%)
$69K
Est. cash at closing
$93K
Monthly payment
$3,746
Annual debt service
$45K
Cash flow needed (1.25×)
$56K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Ace Aurora LLC in Aurora, OH — $532K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$479K (90%)
Approved
8/24/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JSJW Holding, Inc. in Beachwood, OH — $532K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$479K (90%)
Approval → funding
1 days
Approved
8/30/2021
First disbursed
8/31/2021
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 Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Siegal Hardware LLC in Canton, OH — $427K (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.1% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$320K (75%)
Approval → funding
95 days
Approved
11/25/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Thrive Holdings Inc. in Plain City, OH — $100K (2021) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (75%)
Approved
2/23/2021
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,073
Annual debt service
$13K
Cash flow needed (1.25×)
$16K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Ace Aurora LLC in Aurora, OH — $75K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$56K (75%)
Approved
8/24/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JSJW Holding, Inc. in Beachwood, OH — $75K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$56K (75%)
Approval → funding
1 days
Approved
8/30/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ACE OF PARMA, LLC in Parma, OH — $1.1M (2020) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$848K (75%)
Approval → funding
16 days
Approved
9/14/2020
First disbursed
9/30/2020
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal

Buying a Ace Hardware in Ohio? 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.

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 Ohio project address. Mega-bank call-center lenders excluded.

Agent summary

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

$642K typical Ace Hardware loan
6 lenders active in Ohio
14+ funded Ohio deals
5 days typical to fund

Buyers buying a Ace Hardware in Ohio 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/ohio
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.