Lender intelligence
Financing a hardware stores acquisition in Arizona
The SBA 7(a) lenders funding the most hardware stores acquisitions in Arizona, 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 stores in Arizona
$298K
Typical loan
range $125K–$1.60M
$331K
Est. purchase price
≈ loan ÷ 90%
$44,331
Cash to close
$33,144 down + fees
$4,109/mo
Typical payment
~11% · 10yr
$56,704/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
3 days
Typical time to fund
2
Lenders competing
more = leverage
5.5%
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 stores · Arizona
Ranked by funded hardware stores acquisitions in Arizona. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.75 loans · $98M · Sioux Falls, SDFull record →
3+ funded Hardware Stores in Arizona 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.
- Sierra Lumber, LLC in Willcox, AZ — $1.6M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.4M (90%)
- Approval → funding
- 3 days
- Approved
- 6/22/2021
- First disbursed
- 6/25/2021
- 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
- $1.8M
- Est. down payment (10%)
- $178K
- Est. cash at closing
- $244K
- Monthly payment
- $17,563
- Annual debt service
- $211K
- Cash flow needed (1.25×)
- $263K
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
- Ace Hardware Broadway and Central Inc in Phoenix, AZ — $298K (2021) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $268K (90%)
- Approval → funding
- 22 days
- Approved
- 6/8/2021
- First disbursed
- 6/30/2021
- 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
- $331K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $44K
- Monthly payment
- $3,312
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $50K
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 Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Sierra Lumber, LLC in Willcox, AZ — $125K (2021) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $94K (75%)
- Approval → funding
- 3 days
- Approved
- 6/22/2021
- First disbursed
- 6/25/2021
- Loan status
- Current
- 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
- $139K
- Est. down payment (10%)
- $14K
- Est. cash at closing
- $18K
- Monthly payment
- $1,311
- 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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Financing a hardware stores deal in Arizona? Start with the right lender
We'll point you to the SBA lenders already funding your industry in your state — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to hardware stores businesses with a Arizona project address.
Agent summary
How to finance a hardware stores acquisition in Arizona with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Arizona deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $887K typical loan
- 2 lenders active in Arizona
- 3+ funded Arizona deals
- 3 days typical to fund
Buyers buying a hardware stores in Arizona 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 2026-06-20.
- 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.