Lender intelligence
Financing a hardware retailers acquisition in Georgia
The SBA 7(a) lenders funding the most hardware retailers acquisitions in Georgia, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance hardware retailers in Georgia
$1.02M
Typical loan
range $569K–$1.12M
$1.14M
Est. purchase price
≈ loan ÷ 90%
$156,170
Cash to close
$113,889 down + fees
$13,263/mo
Typical payment
~9.5% · 10yr
$183,029/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
14 days
Typical time to fund
4
Lenders competing
more = leverage
7.5%
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 · Georgia
Ranked by funded hardware retailers acquisitions in Georgia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.15 loans · $6M · Watkinsville, GAFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
- 4.4 loans · $5M · Atlanta, GAFull record →
4+ funded Hardware Retailers in Georgia 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.
- Sosebee-Hoschton LLC in Hoschton, GA — $569K (2025) · purchase · Oconee State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $427K (75%)
- Approval → funding
- 2 days
- Approved
- 3/12/2025
- First disbursed
- 3/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $632K
- Est. down payment (10%)
- $63K
- Est. cash at closing
- $85K
- Monthly payment
- $7,518
- Annual debt service
- $90K
- Cash flow needed (1.25×)
- $113K
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 Oconee State Bank · Lender record →
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- Blue Sky Hardware LLC in Griffin, GA — $1.1M (2023) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $839K (75%)
- Approval → funding
- 32 days
- Approved
- 7/30/2023
- First disbursed
- 8/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $124K
- Est. cash at closing
- $170K
- Monthly payment
- $14,467
- Annual debt service
- $174K
- Cash flow needed (1.25×)
- $217K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Crabapple Ace Hardware in Alpharetta, GA — $1.0M (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $769K (75%)
- Approval → funding
- 9 days
- Approved
- 12/6/2022
- First disbursed
- 12/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $114K
- Est. cash at closing
- $156K
- Monthly payment
- $12,301
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $185K
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
- Woodstock Hardware LLC in Woodstock, GA — $210K (2022) · purchase · Georgia Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 2.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 14 days
- Approved
- 2/17/2022
- First disbursed
- 3/3/2022
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,004
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $30K
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 Georgia Banking Company · Lender record →
Your business? Claim this record · Request removal
Financing a hardware retailers deal in Georgia? Start with the right lender
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to hardware retailers businesses with a Georgia project address.
Agent summary
How to finance a hardware retailers acquisition in Georgia with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Georgia deals. Oconee State Bank funds the most here. CapBench is not a lender.
- $1.1M typical loan
- 4 lenders active in Georgia
- 4+ funded Georgia deals
- 14 days typical to fund
Buyers buying a hardware retailers in Georgia typically pre-qualify, then ask CapBench to introduce a lender active here — 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 2026-06-24.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.