Retail & Shops · lender intelligence

How to finance a Ace Hardware in Oregon

State:

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

$995K

Typical loan

range $350K–$1.99M

$1.11M

Est. purchase price

≈ loan ÷ 90%

$151,600

Cash to close

$110,556 down + fees

$12,875/mo

Typical payment

~9.5% · 10yr

$177,675/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

6.98%

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 Oregon

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

1.9 loans · $10M · Warren, PAFull record →
2.20 loans · $8M · Saint Petersburg, FLFull record →
3.13 loans · $18M · Roseburg, ORFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →

12+ funded Ace Hardware in Oregon 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.

HOY'S HARDWARE, INC. in Sweet Home, OR — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
3 days
Approved
9/27/2024
First disbursed
9/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Hoy's Hardware, Inc. in Sweet Home, OR — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
1 days
Approved
10/18/2023
First disbursed
10/19/2023
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Hardware Merchant Wholesalers
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Dan's Ace Hardware in Gold Beach, OR — $995K (2023) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$746K (75%)
Approval → funding
23 days
Approved
4/12/2023
First disbursed
5/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
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
$8,867
Annual debt service
$106K
Cash flow needed (1.25×)
$133K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Sound Hardware Inc in Newberg, OR — $2.0M (2021) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (90%)
Approval → funding
7 days
Approved
5/24/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
31
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$221K
Est. cash at closing
$304K
Monthly payment
$21,340
Annual debt service
$256K
Cash flow needed (1.25×)
$320K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
Phil's Hardware, Inc. in Prineville, OR — $1.9M (2021) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.95% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.7M (90%)
Approval → funding
14 days
Approved
8/18/2021
First disbursed
9/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Moonrock Shores LLC in Waldport, OR — $1.7M (2021) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (90%)
Approval → funding
38 days
Approved
9/14/2021
First disbursed
10/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Robinette Ventures LLC in La Pine, OR — $2.8M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.35% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
22 days
Approved
4/8/2020
First disbursed
4/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$308K
Est. cash at closing
$425K
Monthly payment
$29,856
Annual debt service
$358K
Cash flow needed (1.25×)
$448K
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
Sound Hardware Inc in Lincoln City, OR — $2.3M (2020) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
67 days
Approved
4/24/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.6M
Est. down payment (10%)
$256K
Est. cash at closing
$352K
Monthly payment
$25,535
Annual debt service
$306K
Cash flow needed (1.25×)
$383K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
Tigard Ace Hardware LLC in Tigard, OR — $477K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.2% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$358K (75%)
Approval → funding
27 days
Approved
4/2/2020
First disbursed
4/29/2020
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
30
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
Sound Hardware Inc in Lincoln City, OR — $350K (2020) · purchase · Northwest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
67 days
Approved
4/24/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,886
Annual debt service
$47K
Cash flow needed (1.25×)
$58K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
Robinette Ventures LLC in La Pine, OR — $350K (2020) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
83 days
Approved
4/8/2020
First disbursed
6/30/2020
Loan status
Paid in full (4/30/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,670
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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
Aumsville Ace Hardware Inc. in Aumsville, OR — $300K (2020) · National Cooperative Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
196 days
Approved
7/22/2020
First disbursed
2/3/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by National Cooperative Bank, National Association
Your business? Claim this record · Request removal

Buying a Ace Hardware in Oregon? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a Oregon project address. Mega-bank call-center lenders excluded.

Agent summary

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

$642K typical Ace Hardware loan
6 lenders active in Oregon
12+ funded Oregon deals
27 days typical to fund

Buyers buying a Ace Hardware in Oregon 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 2026-06-18.
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/oregon
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.