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Retail & Shops · lender intelligence

Financing a hardware retailers acquisition

The SBA 7(a) lenders funding the most hardware retailers acquisitions, ranked from public loan records — typical deal about $1.1M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance hardware retailers

$850K

Typical loan

range $315K–$1.53M

$944K

Est. purchase price

≈ loan ÷ 90%

$129,507

Cash to close

$94,444 down + fees

$10,999/mo

Typical payment

~9.5% · 10yr

$151,786/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

22 days

Typical time to fund

60

Lenders competing

more = leverage

8.2%

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 in hardware retailers

Ranked by funded hardware retailers acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.1,296 loans · $1.4B · Wilmington, NCFull record →
  2. 2.242 loans · $281M · Chicago, ILFull record →
  3. 3.2,539 loans · $965M · Columbus, OHFull record →
  4. 4.116 loans · $120M · Evansville, INFull record →
  5. 5.46 loans · $27M · Sartell, MNFull record →
  6. 6.2 loans · $0M · Chatsworth, GAFull record →
  7. 7.62 loans · $34M · Winter Haven, FLFull record →
  8. 8.196 loans · $21M · Boston, MAFull record →
  9. 9.14 loans · $23M · Miami Lakes, FLFull record →
  10. 10.16 loans · $9M · Brookings, SDFull record →
  11. 11.5 loans · $10M · Milford, OHFull record →
  12. 12.138 loans · $276M · Sioux Falls, SDFull record →
  13. 13.18 loans · $21M · Farmington Hills, MIFull record →
  14. 14.1,322 loans · $185M · Wilmington, DEFull record →
  15. 15.31 loans · $13M · Louisville, KYFull record →
  16. 16.20 loans · $14M · Arlington Heights, ILFull record →
  17. 17.23 loans · $15M · Sparta, MIFull record →
  18. 18.19 loans · $5M · Bessemer, ALFull record →
  19. 19.7 loans · $0M · Kennebunk, MEFull record →
  20. 20.575 loans · $220M · De Graff, OHFull record →
  21. 21.7 loans · $3M · Walnut Creek, CAFull record →
  22. 22.31 loans · $39M · Conshohocken, PAFull record →
  23. 23.5 loans · $2M · Hager City, WIFull record →
  24. 24.31 loans · $11M · Green Bay, WIFull record →
  25. 25.868 loans · $362M · Salt Lake City, UTFull record →

125+ funded hardware retailers 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
  • Heights Ace Hardware in Billings, MT$3.3M (2026) · purchase · First Interstate Bank
  • Matt's Ace Hardware LLC in Deltona, FL$2.6M (2026) · purchase · BankUnited, National Association
  • Matt's Ace Hardware LLC in Deltona, FL$2.5M (2026) · purchase · Bank of America, National Association
  • Sound Hardware Vashon Mercantile LLC in Vashon, WA$1.6M (2026) · purchase · Pathward National Association
  • Atkinson AHR LLC in Reese, MI$1.2M (2026) · purchase · ChoiceOne Bank
  • Atkinson AHR LLC in Reese, MI$1.2M (2026) · purchase · ChoiceOne Bank
  • Ace Hardware of Walnut Lake LLC in West Bloomfield, MI$1.1M (2026) · purchase · Live Oak Banking Company
  • Fairfield Hardware II, LLC in Fairfield, OH$708K (2026) · purchase · First Financial Bank
  • MKG ACE LLC in Adams, WI$350K (2026) · purchase · BankVista
  • Fairfield Hardware II, LLC in Fairfield, OH$50K (2026) · purchase · First Financial Bank
  • Superstition Hardware, LLC in San Tan Valley, AZ$5.0M (2025) · purchase · Live Oak Banking Company
  • Fresh Hardware Inc. in Burley, ID$5.0M (2025) · purchase · Live Oak Banking Company
  • My Supply Store LLC in Santa Barbara, CA$4.7M (2025) · purchase · First Internet Bank of Indiana
  • AE Metzger Hardware LLC in Louisville, OH$3.7M (2025) · purchase · Live Oak Banking Company
  • BOUNDLESS REACH INC. in Voorhees, NJ$2.9M (2025) · purchase · Bankwell Bank
  • Sherwood Hardware LLC in Chester, CA$2.5M (2025) · purchase · Live Oak Banking Company
  • CBM Hardware LLC in San Jose, CA$2.5M (2025) · purchase · Live Oak Banking Company
  • Homestory LLC in Clay Center, KS$2.4M (2025) · purchase · United Bank & Trust
  • Kubicki Enterprises Inc in Macedonia, OH$2.0M (2025) · purchase · The Huntington National Bank

Financing a hardware retailers deal? Start with a lender that knows it

We'll point you to the SBA lenders already funding deals in your industry — and help you make them compete on rate and speed.

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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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to hardware retailers businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a hardware retailers acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

  • $1.1M typical loan
  • 60 lenders fund the industry
  • 0% default (FY20–23)
  • 22 days typical to fund

Buyers researching a hardware retailers deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

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.
  • 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.
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