Financing a hardware retailers acquisition in Ohio

State:

Alabama (3)Alaska (2)Arizona (2)Arkansas (2)California (10)Colorado (4)District of Columbia (2)Florida (4)Georgia (4)Idaho (3)Illinois (2)Indiana (2)

The SBA 7(a) lenders funding the most hardware retailers acquisitions in Ohio, 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 Ohio

$738K

Typical loan

range $100K–$1.59M

$820K

Est. purchase price

≈ loan ÷ 90%

$112,443

Cash to close

$82,000 down + fees

$9,550/mo

Typical payment

~9.5% · 10yr

$131,790/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

101 days

Typical time to fund

Lenders competing

more = leverage

9.05%

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 · Ohio

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

1.19 loans · $5M · Bessemer, ALFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.5 loans · $10M · Milford, OHFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →

9+ funded Hardware Retailers in Ohio 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.

Fairfield Hardware II, LLC in Fairfield, OH — $708K (2026) · purchase · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
7.74% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$531K (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$786K
Est. down payment (10%)
$79K
Est. cash at closing
$108K
Monthly payment
$8,487
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
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 First Financial Bank · Lender record →
Your business? Claim this record · Request removal
Fairfield Hardware II, LLC in Fairfield, OH — $50K (2026) · purchase · First Financial Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
24 mo (2 yrs)
SBA guaranteed
$25K (50%)
Approved
3/17/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$2,284
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 First Financial Bank · Lender record →
Your business? Claim this record · Request removal
AE Metzger Hardware LLC in Louisville, OH — $3.7M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.8M (75%)
Approval → funding
105 days
Approved
5/13/2025
First disbursed
8/26/2025
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 Retailers
If you were the buyer here
Est. deal size
$4.1M
Est. down payment (10%)
$408K
Est. cash at closing
$564K
Monthly payment
$30,214
Annual debt service
$363K
Cash flow needed (1.25×)
$453K
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
Kubicki Enterprises Inc in Macedonia, OH — $2.0M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% fixed
Term
216 mo (18 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
101 days
Approved
10/15/2024
First disbursed
1/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$224K
Est. cash at closing
$309K
Monthly payment
$18,593
Annual debt service
$223K
Cash flow needed (1.25×)
$279K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Kubicki Enterprises Inc in Macedonia, OH — $100K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
10/15/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,308
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Georgetown Village Hardware LLC in Georgetown, OH — $738K (2024) · purchase · RiverHills Bank
Program
Preferred Lenders Program
Rate at approval
9.5% fixed
Term
180 mo (15 yrs)
SBA guaranteed
$554K (75%)
Approval → funding
20 days
Approved
3/20/2024
First disbursed
4/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$820K
Est. down payment (10%)
$82K
Est. cash at closing
$112K
Monthly payment
$7,706
Annual debt service
$92K
Cash flow needed (1.25×)
$116K
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 RiverHills Bank · Lender record →
Your business? Claim this record · Request removal
Georgetown Village Hardware LLC in Georgetown, OH — $50K (2024) · purchase · RiverHills Bank
Program
Standard Asset Base Working Capital Line
Subprogram
Standard Asset Based
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (75%)
Approval → funding
462 days
Approved
3/20/2024
First disbursed
6/25/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$647
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 RiverHills Bank · Lender record →
Your business? Claim this record · Request removal
Ace Hardware Carrollton in Carrollton, OH — $1.6M (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
14 days
Approved
9/29/2023
First disbursed
10/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$177K
Est. cash at closing
$243K
Monthly payment
$13,892
Annual debt service
$167K
Cash flow needed (1.25×)
$208K
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
Rogers Moore Enterprises, LLC in Loveland, OH — $1.0M (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
43 days
Approved
4/19/2023
First disbursed
6/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,668
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
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

Financing a hardware retailers deal in Ohio? 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 Ohio project address.

Agent summary

How to finance a hardware retailers acquisition in Ohio with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Ohio deals. First Financial Bank funds the most here. CapBench is not a lender.

$1.1M typical loan
4 lenders active in Ohio
9+ funded Ohio deals
101 days typical to fund

Buyers buying a hardware retailers in Ohio typically pre-qualify, then ask CapBench to introduce a lender active 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 hardware retailers lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/hardware-retailers/ohio
API:: https://www.capbench.com/api/public/lenders?industry=hardware-retailers&state=OH
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.