Retail & Shops · lender intelligence

How to finance a Ace Hardware in Wisconsin

State:

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

$310K

Typical loan

range $150K–$650K

$344K

Est. purchase price

≈ loan ÷ 90%

$46,069

Cash to close

$34,444 down + fees

$4,270/mo

Typical payment

~11% · 10yr

$58,926/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

6.18%

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 Wisconsin

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

1.31 loans · $11M · Green Bay, WIFull record →
2.46 loans · $27M · Sartell, MNFull record →
3.75 loans · $98M · Sioux Falls, SDFull record →
4.4 loans · $1M · Stonewall, OKFull record →
5.4 loans · $1M · Berlin, WIFull record →
6.20 loans · $14M · Arlington Heights, ILFull record →
7.5 loans · $2M · Hager City, WIFull record →
8.242 loans · $281M · Chicago, ILFull record →

13+ funded Ace Hardware in Wisconsin 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.

MKG ACE LLC in Adams, WI — $4.0M (2026) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
7.95% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (75%)
Approval → funding
3 days
Approved
1/13/2026
First disbursed
1/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
70
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$4.4M
Est. down payment (10%)
$444K
Est. cash at closing
$614K
Monthly payment
$48,425
Annual debt service
$581K
Cash flow needed (1.25×)
$726K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
MKG ACE LLC in Adams, WI — $350K (2026) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
8 days
Approved
1/12/2026
First disbursed
1/20/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,293
Annual debt service
$52K
Cash flow needed (1.25×)
$64K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
Manny Ace LLC in Manitowish Waters, WI — $150K (2026) · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
71 days
Approved
11/20/2025
First disbursed
1/30/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by BankVista · Lender record →
Your business? Claim this record · Request removal
Kenosha Hardware North, LLC in Kenosha, WI — $1.4M (2025) · purchase · Village Bank and Trust, National Association
Program
Preferred Lenders Program
Rate at approval
7.9% fixed
Term
204 mo (17 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
28 days
Approved
1/31/2025
First disbursed
2/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$160K
Est. cash at closing
$220K
Monthly payment
$12,854
Annual debt service
$154K
Cash flow needed (1.25×)
$193K
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 Village Bank and Trust, National Association · Lender record →
Your business? Claim this record · Request removal
Hoop's Hardware, Inc. in De Pere, WI — $250K (2025) · Nicolet National Bank
Program
7a General
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
324 days
Approved
3/26/2025
First disbursed
2/13/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Hardware Retailers
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
AL Property Holdings LLC in Little Chute, WI — $650K (2022) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
4.25% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$488K (75%)
Approval → funding
7 days
Approved
12/21/2021
First disbursed
12/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$722K
Est. down payment (10%)
$72K
Est. cash at closing
$97K
Monthly payment
$4,025
Annual debt service
$48K
Cash flow needed (1.25×)
$60K
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 Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
AL Hardware Company LLC in Little Chute, WI — $353K (2022) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
4.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$265K (75%)
Approval → funding
6 days
Approved
12/22/2021
First disbursed
12/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$392K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,613
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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 Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
AL Hardware Company LLC in Little Chute, WI — $50K (2022) · Nicolet National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
9 days
Approved
12/22/2021
First disbursed
12/31/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Hardware Stores
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Mom's Hometown Ace Hardware LLC in Milton, WI — $1.0M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$900K (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
21
Business age
New Business or 2 years or less
Industry
Hardware Stores
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Grapevine Concepts of Wausau, Inc in Wausau, WI — $100K (2021) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$90K (90%)
Approval → funding
34 days
Approved
3/12/2021
First disbursed
4/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Residential Remodelers
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
WJCIV, Inc. in Osceola, WI — $310K (2020) · purchase · Hiawatha National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$233K (75%)
Approval → funding
27 days
Approved
3/4/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$344K
Est. down payment (10%)
$34K
Est. cash at closing
$46K
Monthly payment
$3,403
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
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 Hiawatha National Bank · Lender record →
Your business? Claim this record · Request removal
Prairie Side Enterprises, Inc. in Kenosha, WI — $300K (2020) · First American Bank
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
21 days
Approved
5/1/2020
First disbursed
5/22/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Existing or more than 2 years old
Industry
Hardware Stores
Funded by First American Bank · Lender record →
Your business? Claim this record · Request removal
EDIE FALK INC in Rothschild, WI — $70K (2020) · purchase · Fortifi Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$35K (50%)
Approved
9/23/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$78K
Est. down payment (10%)
$8K
Est. cash at closing
$10K
Monthly payment
$751
Annual debt service
$9K
Cash flow needed (1.25×)
$11K
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 Fortifi Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$642K typical Ace Hardware loan
8 lenders active in Wisconsin
13+ funded Wisconsin deals
21 days typical to fund

Buyers buying a Ace Hardware in Wisconsin 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 2026-06-20.
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/wisconsin
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.