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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. 1.1,296 loans · $1.4B · Wilmington, NCFull record →
  2. 2.31 loans · $24M · Malvern, PAFull record →
  3. 3.9 loans · $10M · Warren, PAFull record →
  4. 4.116 loans · $120M · Evansville, INFull record →
  5. 5.13 loans · $18M · Roseburg, ORFull record →
  6. 6.2,539 loans · $965M · Columbus, OHFull record →
  7. 7.31 loans · $11M · Green Bay, WIFull record →
  8. 8.88 loans · $96M · Muncie, INFull record →
  9. 9.149 loans · $135M · Mukwonago, WIFull record →
  10. 10.66 loans · $68M · Milford, IAFull record →
  11. 11.8 loans · $3M · Terrell, TXFull record →
  12. 12.42 loans · $7M · San Juan, PRFull record →
  13. 13.72 loans · $22M · Rockland, MAFull record →
  14. 14.15 loans · $4M · Waverly, NEFull record →
  15. 15.31 loans · $13M · Louisville, KYFull record →
  16. 16.78 loans · $53M · Birmingham, ALFull record →
  17. 17.1 loans · $0M · Waco, TXFull record →
  18. 18.44 loans · $25M · Spokane, WAFull record →
  19. 19.62 loans · $26M · Oklahoma City, OKFull record →
  20. 20.47 loans · $39M · Greenville, PAFull record →
  21. 21.242 loans · $281M · Chicago, ILFull record →
  22. 22.129 loans · $234M · New York, NYFull record →
  23. 23.5 loans · $0M · Norway, MEFull record →
  24. 24.4 loans · $1M · Berlin, WIFull record →
  25. 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
  • Miami Home Centers in Miami, FL$700K (2023) · purchase · Live Oak Banking Company
  • Commercial Beach Hardware, Inc. in Lauderdale By The Sea, FL$1.7M (2022) · purchase · Patriot Bank, National Association
  • Max's Ace Hardware , LLC in Haines City, FL$1.5M (2022) · purchase · Bank of Central Florida
  • Western Auto Hardware and Lawn Equipment in Beulaville, NC$1.2M (2022) · purchase · Live Oak Banking Company
  • The Leader Department Store, Inc. in Zion, IL$1.1M (2022) · purchase · Live Oak Banking Company
  • SUN CITY GIFT & HARDWARE, INC. in Menifee, CA$671K (2022) · purchase · First Bank of the Lake
  • AL Property Holdings LLC in Little Chute, WI$650K (2022) · purchase · Nicolet National Bank
  • T&H Smith Investments LLC in Old Town, FL$449K (2022) · purchase · Seacoast National Bank
  • AL Hardware Company LLC in Little Chute, WI$353K (2022) · purchase · Nicolet National Bank
  • Merschman Hardware and Building Supply LLC in Eldridge, IA$278K (2022) · purchase · First Central State Bank
  • Western Auto Hardware and Lawn Equipment in Beulaville, NC$100K (2022) · purchase · Live Oak Banking Company
  • Harris Family Hardware, LLC in Lake Elmo, MN$100K (2022) · purchase · Nicolet National Bank
  • The Leader Dept. Store, Inc. in Zion, IL$100K (2022) · purchase · Live Oak Banking Company
  • ALPHA GROUP DEVELOPMENT LLC in Greenville, MI$2.8M (2021) · purchase · United Bank of Michigan
  • Carroll Brownsboro Holdings, LLC in Louisville, KY$2.7M (2021) · purchase · Stock Yards Bank & Trust Company
  • Stevenson's Ace Hardware, Inc. in Crawfordsville, IN$2.6M (2021) · purchase · Live Oak Banking Company
  • Owata Nelson Company in Coon Rapids, MN$2.4M (2021) · purchase · Old National Bank
  • DeZaiffe Enterprises, Inc in Grand Prairie, TX$2.0M (2021) · purchase · The American National Bank of Texas
  • Sound Hardware Inc in Newberg, OR$2.0M (2021) · purchase · Northwest Bank

Financing a hardware stores 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 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.
  • 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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