Retail & Shops · lender intelligence

How to finance a Ace Hardware in Texas

State:

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

$770K

Typical loan

range $615K–$1.85M

$856K

Est. purchase price

≈ loan ÷ 90%

$117,319

Cash to close

$85,556 down + fees

$9,964/mo

Typical payment

~9.5% · 10yr

$137,503/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

29 days

Typical time to fund

Lenders competing

more = leverage

6.74%

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 Texas

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.8 loans · $3M · Terrell, TXFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.5 loans · $4M · Houston, TXFull record →
5.88 loans · $96M · Muncie, INFull record →
6.128 loans · $40M · Wilmington, DEFull record →
7.32 loans · $54M · Houston, TXFull record →
8.105 loans · $51M · Fitzgerald, GAFull record →

36+ funded Ace Hardware in Texas 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.

Kermit Hardware LLC in Kermit, TX — $3.5M (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
174 months
SBA guaranteed
$2.6M (75%)
Approved
3/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
HB ACE HARDWARE, LLC in Horseshoe Bay, TX — $448K (2026) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.74% fixed
Term
72 mo (6 yrs)
SBA guaranteed
$336K (75%)
Approval → funding
73 days
Approved
11/24/2025
First disbursed
2/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Cibolo Ace Hardware, LLC in Cibolo, TX — $1.1M (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
126 months
SBA guaranteed
$848K (75%)
Approved
5/23/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
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
DN Meyer Business, LLC in Melissa, TX — $1.1M (2025) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.89% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$810K (75%)
Approval → funding
57 days
Approved
7/2/2025
First disbursed
8/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Retailers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Long Point Inc. in Houston, TX — $930K (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$698K (75%)
Approved
7/2/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
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
DN Meyer Business, LLC in Melissa, TX — $100K (2025) · Wells Fargo Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
8/1/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
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
ASHER INDUSTRIES, INC. in Montgomery, TX — $150K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
14.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
7 days
Approved
4/29/2024
First disbursed
5/6/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Hardware Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Cinco Ranch in Katy, TX — $5.0M (2023) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.9M (57%)
Approval → funding
56 days
Approved
1/31/2023
First disbursed
3/28/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
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
Bacliff Ace, LLC in Bacliff, TX — $2.9M (2023) · purchase · Southwestern National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
306 months
SBA guaranteed
$2.2M (75%)
Approval → funding
19 days
Approved
7/19/2023
First disbursed
8/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$3.3M
Est. down payment (10%)
$328K
Est. cash at closing
$452K
Monthly payment
$26,151
Annual debt service
$314K
Cash flow needed (1.25×)
$392K
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 Southwestern National Bank · Lender record →
Your business? Claim this record · Request removal
RDOT LLC in Spring, TX — $2.4M (2023) · JPMorgan Chase Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
24 days
Approved
10/14/2022
First disbursed
11/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
150
Business age
Existing or more than 2 years old
Industry
Home Centers
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
WHARTON FEED & SUPPLY, L.L.C. in Wharton, TX — $985K (2023) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$739K (75%)
Approval → funding
307 days
Approved
12/14/2022
First disbursed
10/17/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Farm Supplies Merchant Wholesalers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Irving Inc. in Irving, TX — $625K (2023) · National Cooperative Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approval → funding
13 days
Approved
3/30/2023
First disbursed
4/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Retailers
Funded by National Cooperative Bank, National Association
Your business? Claim this record · Request removal
Labadieland LLC in Willow Park, TX — $592K (2023) · purchase · The American National Bank of Texas
Program
Preferred Lenders Program
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$444K (75%)
Approval → funding
21 days
Approved
4/13/2023
First disbursed
5/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$657K
Est. down payment (10%)
$66K
Est. cash at closing
$88K
Monthly payment
$7,574
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
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 American National Bank of Texas · Lender record →
Your business? Claim this record · Request removal
WHARTON FEED & SUPPLY, L.L.C. in Wharton, TX — $250K (2023) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
68 days
Approved
8/10/2023
First disbursed
10/17/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Farm Supplies Merchant Wholesalers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
BURK & BURK, LLC in San Antonio, TX — $1.0M (2022) · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.23% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
17 days
Approved
7/18/2022
First disbursed
8/4/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Retailers
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
YBH Enterprises, Inc. in Fort Worth, TX — $855K (2022) · The American National Bank of Texas
Program
7a General
Rate at approval
5.25% variable
Term
129 months
SBA guaranteed
$641K (75%)
Approved
10/29/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Hardware Stores
Funded by The American National Bank of Texas · Lender record →
Your business? Claim this record · Request removal
ROOSTERS ACE HARDWARE in Round Rock, TX — $625K (2022) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
126 months
SBA guaranteed
$469K (75%)
Approval → funding
116 days
Approved
6/6/2022
First disbursed
9/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
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
ROOSTERS ACE HARDWARE in Round Rock, TX — $250K (2022) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approved
6/6/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
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
BNR Store 5, LLC in Rowlett, TX — $4.2M (2021) · National Cooperative Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
246 months
SBA guaranteed
$3.7M (89%)
Approval → funding
21 days
Approved
3/12/2021
First disbursed
4/2/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
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
DeZaiffe Enterprises, Inc in Grand Prairie, TX — $2.0M (2021) · purchase · The American National Bank of Texas
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
156 mo (13 yrs)
SBA guaranteed
$1.8M (90%)
Approval → funding
13 days
Approved
5/5/2021
First disbursed
5/18/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$224K
Est. cash at closing
$308K
Monthly payment
$17,588
Annual debt service
$211K
Cash flow needed (1.25×)
$264K
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 American National Bank of Texas · Lender record →
Your business? Claim this record · Request removal

Buying a Ace Hardware in Texas? Start with a lender that funds them here

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

Agent summary

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

$642K typical Ace Hardware loan
12 lenders active in Texas
36+ funded Texas deals
29 days typical to fund

Buyers buying a Ace Hardware in Texas 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/texas
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.