Retail & Shops · lender intelligence
Financing a hardware stores acquisition
The SBA 7(a) lenders funding the most hardware stores acquisitions, ranked from public loan records — typical deal about $887K. A lender doing your industry every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance hardware stores
$625K
Typical loan
range $252K–$1.18M
$695K
Est. purchase price
≈ loan ÷ 90%
$92,898
Cash to close
$69,456 down + fees
$8,089/mo
Typical payment
~9.5% · 10yr
$111,628/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
22 days
Typical time to fund
63
Lenders competing
more = leverage
5.39%
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 stores
Ranked by funded hardware stores acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.31 loans · $24M · Malvern, PAFull record →
- 3.9 loans · $10M · Warren, PAFull record →
- 4.116 loans · $120M · Evansville, INFull record →
- 5.13 loans · $18M · Roseburg, ORFull record →
- 6.2,539 loans · $965M · Columbus, OHFull record →
- 7.31 loans · $11M · Green Bay, WIFull record →
- 8.88 loans · $96M · Muncie, INFull record →
- 9.149 loans · $135M · Mukwonago, WIFull record →
- 10.66 loans · $68M · Milford, IAFull record →
- 11.8 loans · $3M · Terrell, TXFull record →
- 12.42 loans · $7M · San Juan, PRFull record →
- 13.72 loans · $22M · Rockland, MAFull record →
- 14.15 loans · $4M · Waverly, NEFull record →
- 15.31 loans · $13M · Louisville, KYFull record →
- 16.78 loans · $53M · Birmingham, ALFull record →
- 17.1 loans · $0M · Waco, TXFull record →
- 18.44 loans · $25M · Spokane, WAFull record →
- 19.62 loans · $26M · Oklahoma City, OKFull record →
- 20.47 loans · $39M · Greenville, PAFull record →
- 21.242 loans · $281M · Chicago, ILFull record →
- 22.129 loans · $234M · New York, NYFull record →
- 23.5 loans · $0M · Norway, MEFull record →
- 24.4 loans · $1M · Berlin, WIFull record →
- 25.328 loans · $134M · Cleveland, OHFull record →
103+ funded hardware stores 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.
- KMG ACE LLC in Waunakee, WI — $843K (2024) · purchase · BankVista
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $632K (75%)
- Approval → funding
- 41 days
- Approved
- 7/30/2024
- First disbursed
- 9/9/2024
- Loan status
- Paid in full (12/31/2025)
- 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 Stores
If you were the buyer here
- Est. deal size
- $937K
- Est. down payment (10%)
- $94K
- Est. cash at closing
- $128K
- Monthly payment
- $11,375
- Annual debt service
- $137K
- Cash flow needed (1.25×)
- $171K
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 →
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- Miami Home Centers in Miami, FL — $700K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 13 days
- Approved
- 11/17/2022
- First disbursed
- 11/30/2022
- Loan status
- Delinquent
- 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 Stores
If you were the buyer here
- Est. deal size
- $778K
- Est. down payment (10%)
- $78K
- Est. cash at closing
- $104K
- Monthly payment
- $8,679
- Annual debt service
- $104K
- Cash flow needed (1.25×)
- $130K
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 →
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- Commercial Beach Hardware, Inc. in Lauderdale By The Sea, FL — $1.7M (2022) · purchase · Patriot Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 42 days
- Approved
- 12/14/2021
- First disbursed
- 1/25/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $194K
- Est. cash at closing
- $267K
- Monthly payment
- $19,373
- Annual debt service
- $232K
- Cash flow needed (1.25×)
- $291K
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 Patriot Bank, National Association
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- Max's Ace Hardware , LLC in Haines City, FL — $1.5M (2022) · purchase · Bank of Central Florida
- Program
- 7a General
- Rate at approval
- 4% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 16 days
- Approved
- 12/15/2021
- First disbursed
- 12/31/2021
- 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 Stores
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $164K
- Est. cash at closing
- $226K
- Monthly payment
- $7,812
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $117K
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 Bank of Central Florida
Your business? Claim this record · Request removal
- Western Auto Hardware and Lawn Equipment in Beulaville, NC — $1.2M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $883K (75%)
- Approval → funding
- 72 days
- Approved
- 10/12/2021
- First disbursed
- 12/23/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $131K
- Est. cash at closing
- $179K
- Monthly payment
- $12,920
- Annual debt service
- $155K
- Cash flow needed (1.25×)
- $194K
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
- The Leader Department Store, Inc. in Zion, IL — $1.1M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $837K (75%)
- Approval → funding
- 89 days
- Approved
- 1/28/2022
- First disbursed
- 4/27/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $124K
- Est. cash at closing
- $170K
- Monthly payment
- $8,604
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $129K
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 →
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- SUN CITY GIFT & HARDWARE, INC. in Menifee, CA — $671K (2022) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $503K (75%)
- Approval → funding
- 7 days
- Approved
- 1/21/2022
- First disbursed
- 1/28/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $746K
- Est. down payment (10%)
- $75K
- Est. cash at closing
- $100K
- Monthly payment
- $7,282
- Annual debt service
- $87K
- Cash flow needed (1.25×)
- $109K
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 Bank of the Lake · Lender record →
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- 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
- T&H Smith Investments LLC in Old Town, FL — $449K (2022) · purchase · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $337K (75%)
- Approval → funding
- 31 days
- Approved
- 11/30/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $499K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $4,706
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $71K
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 Seacoast 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
- Merschman Hardware and Building Supply LLC in Eldridge, IA — $278K (2022) · purchase · First Central State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $209K (75%)
- Approval → funding
- 11 days
- Approved
- 2/11/2022
- First disbursed
- 2/22/2022
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $309K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $3,933
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $59K
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 Central State Bank
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- Western Auto Hardware and Lawn Equipment in Beulaville, NC — $100K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 71 days
- Approved
- 10/12/2021
- First disbursed
- 12/22/2021
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,073
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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
- Harris Family Hardware, LLC in Lake Elmo, MN — $100K (2022) · purchase · Nicolet National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 39 days
- Approved
- 12/23/2021
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,024
- Annual debt service
- $12K
- Cash flow needed (1.25×)
- $15K
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
- The Leader Dept. Store, Inc. in Zion, IL — $100K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 89 days
- Approved
- 1/28/2022
- First disbursed
- 4/27/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,073
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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
- ALPHA GROUP DEVELOPMENT LLC in Greenville, MI — $2.8M (2021) · purchase · United Bank of Michigan
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 288 mo (24 yrs)
- SBA guaranteed
- $2.5M (90%)
- Approval → funding
- 54 days
- Approved
- 3/26/2021
- First disbursed
- 5/19/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 49
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $3.1M
- Est. down payment (10%)
- $306K
- Est. cash at closing
- $423K
- Monthly payment
- $15,292
- Annual debt service
- $184K
- Cash flow needed (1.25×)
- $229K
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 United Bank of Michigan
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- Carroll Brownsboro Holdings, LLC in Louisville, KY — $2.7M (2021) · purchase · Stock Yards Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (90%)
- Approval → funding
- 10 days
- Approved
- 9/20/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $300K
- Est. cash at closing
- $414K
- Monthly payment
- $27,658
- Annual debt service
- $332K
- Cash flow needed (1.25×)
- $415K
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 Stock Yards Bank & Trust Company · Lender record →
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- Stevenson's Ace Hardware, Inc. in Crawfordsville, IN — $2.6M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 299 months
- SBA guaranteed
- $2.4M (90%)
- Approval → funding
- 36 days
- Approved
- 9/16/2021
- First disbursed
- 10/22/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $292K
- Est. cash at closing
- $402K
- Monthly payment
- $16,539
- Annual debt service
- $198K
- Cash flow needed (1.25×)
- $248K
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 →
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- Owata Nelson Company in Coon Rapids, MN — $2.4M (2021) · purchase · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.6% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 42 days
- Approved
- 12/17/2020
- First disbursed
- 1/28/2021
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $269K
- Est. cash at closing
- $371K
- Monthly payment
- $12,258
- Annual debt service
- $147K
- Cash flow needed (1.25×)
- $184K
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 Old National Bank · Lender record →
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- DeZaiffe Enterprises, Inc in Grand Prairie, TX — $2.0M (2021) · purchase · The American National Bank of Texas
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 156 mo (13 yrs)
- SBA guaranteed
- $1.8M (90%)
- Approval → funding
- 13 days
- Approved
- 5/5/2021
- First disbursed
- 5/18/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $224K
- Est. cash at closing
- $308K
- Monthly payment
- $17,588
- Annual debt service
- $211K
- Cash flow needed (1.25×)
- $264K
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 →
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- Sound Hardware Inc in Newberg, OR — $2.0M (2021) · purchase · Northwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.8M (90%)
- Approval → funding
- 7 days
- Approved
- 5/24/2021
- First disbursed
- 5/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 31
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $221K
- Est. cash at closing
- $304K
- Monthly payment
- $21,340
- Annual debt service
- $256K
- Cash flow needed (1.25×)
- $320K
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 Northwest Bank · Lender record →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to hardware stores businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a hardware stores 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.
- $887K typical loan
- 63 lenders fund the industry
- 0% default (FY20–23)
- 22 days typical to fund
Buyers researching a hardware stores 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.
- 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.