Financing a hardware retailers acquisition in Texas

State:

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

$1.78M

Typical loan

range $686K–$2.39M

$1.98M

Est. purchase price

≈ loan ÷ 90%

$271,824

Cash to close

$197,622 down + fees

$23,015/mo

Typical payment

~9.5% · 10yr

$317,607/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

8.79%

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 · Texas

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →

6+ funded Hardware Retailers in Texas 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.

Crossroads Hardware LLC in Leonard, TX — $990K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$743K (75%)
Approval → funding
23 days
Approved
2/19/2025
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
12
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$110K
Est. cash at closing
$151K
Monthly payment
$8,478
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Hayden Rae Enterprises, LLC in Diana, TX — $686K (2025) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$515K (75%)
Approval → funding
13 days
Approved
7/18/2025
First disbursed
7/31/2025
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
$762K
Est. down payment (10%)
$76K
Est. cash at closing
$102K
Monthly payment
$6,234
Annual debt service
$75K
Cash flow needed (1.25×)
$94K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
RL CAPITAL VENTURES INC in Cypress, TX — $2.4M (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
20 days
Approved
11/28/2023
First disbursed
12/18/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$265K
Est. cash at closing
$366K
Monthly payment
$30,549
Annual debt service
$367K
Cash flow needed (1.25×)
$458K
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
Bacliff Ace, LLC in Bacliff, TX — $2.9M (2023) · purchase · Southwestern National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
306 months
SBA guaranteed
$2.2M (75%)
Approval → funding
19 days
Approved
7/19/2023
First disbursed
8/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$3.3M
Est. down payment (10%)
$328K
Est. cash at closing
$452K
Monthly payment
$26,151
Annual debt service
$314K
Cash flow needed (1.25×)
$392K
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 Southwestern National Bank · Lender record →
Your business? Claim this record · Request removal
Labadieland LLC in Willow Park, TX — $592K (2023) · purchase · The American National Bank of Texas
Program
Preferred Lenders Program
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$444K (75%)
Approval → funding
21 days
Approved
4/13/2023
First disbursed
5/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$657K
Est. down payment (10%)
$66K
Est. cash at closing
$88K
Monthly payment
$7,574
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
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 American National Bank of Texas · Lender record →
Your business? Claim this record · Request removal
SUN HARDWARE in Lago Vista, TX — $1.8M (2022) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
21 days
Approved
2/7/2022
First disbursed
2/28/2022
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Hardware Retailers
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$198K
Est. cash at closing
$272K
Monthly payment
$10,658
Annual debt service
$128K
Cash flow needed (1.25×)
$160K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$1.1M typical loan
5 lenders active in Texas
6+ funded Texas deals
21 days typical to fund

Buyers buying a hardware retailers in Texas 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 2026-06-18.
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/texas
API:: https://www.capbench.com/api/public/lenders?industry=hardware-retailers
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.