Retail & Shops · lender intelligence

How to finance a Ace Hardware in Washington

State:

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

$967K

Typical loan

range $777K–$1.60M

$1.07M

Est. purchase price

≈ loan ÷ 90%

$147,258

Cash to close

$107,389 down + fees

$12,506/mo

Typical payment

~9.5% · 10yr

$172,583/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

101 days

Typical time to fund

Lenders competing

more = leverage

5.75%

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 Washington

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

1.13 loans · $18M · Roseburg, ORFull record →
2.138 loans · $276M · Sioux Falls, SDFull record →
3.99 loans · $43M · Walla Walla, WAFull record →
4.16 loans · $18M · Chicago, ILFull record →

7+ funded Ace Hardware in Washington 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.

Sound Hardware Vashon Mercantile LLC in Vashon, WA — $1.6M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$20,923
Annual debt service
$251K
Cash flow needed (1.25×)
$314K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Goodnight Henson Inc. in Milton, WA — $1.5M (2022) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
132 mo (11 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
101 days
Approved
6/20/2022
First disbursed
9/29/2022
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
HAWKS PRAIRIE ACE HARDWARE, LLC in Lacey, WA — $779K (2022) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$585K (75%)
Approval → funding
137 days
Approved
3/21/2022
First disbursed
8/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
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
Linden Terrace LLC in Yakima, WA — $4.8M (2021) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.18% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$3.6M (75%)
Approval → funding
7 days
Approved
7/20/2021
First disbursed
7/27/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
HENDRICKS HARDWARE, INC. in Lynden, WA — $777K (2021) · purchase · Banner Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$582K (75%)
Approval → funding
472 days
Approved
11/20/2020
First disbursed
3/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$863K
Est. down payment (10%)
$86K
Est. cash at closing
$118K
Monthly payment
$8,331
Annual debt service
$100K
Cash flow needed (1.25×)
$125K
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 Banner Bank · Lender record →
Your business? Claim this record · Request removal
Cedars Hardware Supply, LLC in Ferndale, WA — $967K (2020) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$725K (75%)
Approval → funding
28 days
Approved
9/2/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$107K
Est. cash at closing
$147K
Monthly payment
$10,370
Annual debt service
$124K
Cash flow needed (1.25×)
$156K
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
Cedars Hardware Supply, LLC in Ferndale, WA — $200K (2020) · purchase · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approval → funding
28 days
Approved
9/2/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,146
Annual debt service
$26K
Cash flow needed (1.25×)
$32K
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

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

Agent summary

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

$642K typical Ace Hardware loan
5 lenders active in Washington
7+ funded Washington deals
101 days typical to fund

Buyers buying a Ace Hardware in Washington 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/washington
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.