Lender intelligence
Financing a hardware stores acquisition in California
The SBA 7(a) lenders funding the most hardware stores acquisitions in California, 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 California
$469K
Typical loan
range $250K–$671K
$521K
Est. purchase price
≈ loan ÷ 90%
$69,699
Cash to close
$52,111 down + fees
$6,133/mo
Typical payment
~9.75% · 10yr
$84,635/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
7
Lenders competing
more = leverage
6.04%
Avg rate on record
cap ~10.00%
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 · California
Ranked by funded hardware stores acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.31 loans · $24M · Malvern, PAFull record →
- 2.149 loans · $135M · Mukwonago, WIFull record →
- 3.6 loans · $6M · Oakland, CAFull record →
- 4.29 loans · $28M · Quincy, CAFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.1,296 loans · $1.4B · Wilmington, NCFull record →
12+ funded Hardware Stores in California 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.
- 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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- Candelario Ace Hardware in Gridley, CA — $1.3M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (90%)
- Approval → funding
- 55 days
- Approved
- 8/13/2021
- First disbursed
- 10/7/2021
- 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
- $1.4M
- Est. down payment (10%)
- $139K
- Est. cash at closing
- $190K
- Monthly payment
- $13,258
- Annual debt service
- $159K
- Cash flow needed (1.25×)
- $199K
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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- A West Enterprises, LLC in Quincy, CA — $1.1M (2021) · purchase · Summit Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $860K (75%)
- Approval → funding
- 16 days
- Approved
- 10/15/2020
- First disbursed
- 10/31/2020
- 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
- $1.3M
- Est. down payment (10%)
- $127K
- Est. cash at closing
- $175K
- Monthly payment
- $12,734
- Annual debt service
- $153K
- Cash flow needed (1.25×)
- $191K
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 Summit Bank · Lender record →
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- Honeycutt Hardware LLC in Santa Maria, CA — $633K (2020) · purchase · Customers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $475K (75%)
- Approved
- 5/4/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $703K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $94K
- Monthly payment
- $7,028
- Annual debt service
- $84K
- Cash flow needed (1.25×)
- $105K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Honeycutt Hardware LLC in Santa Maria, CA — $633K (2020) · purchase · Customers Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $475K (75%)
- Approval → funding
- 27 days
- Approved
- 6/3/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $703K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $94K
- Monthly payment
- $7,028
- Annual debt service
- $84K
- Cash flow needed (1.25×)
- $105K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Holtville Ace Hardware LLC in Holtville, CA — $469K (2020) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $352K (75%)
- Approval → funding
- 21 days
- Approved
- 7/10/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (12/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $521K
- Est. down payment (10%)
- $52K
- Est. cash at closing
- $70K
- Monthly payment
- $2,880
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $43K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Langenfeld Companies, Inc. in So. Lake Tahoe, CA — $450K (2020) · purchase · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 45 days
- Approved
- 12/17/2019
- First disbursed
- 1/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $5,167
- Annual debt service
- $62K
- Cash flow needed (1.25×)
- $78K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
- Brawley Ace Hardware LLC in Brawley, CA — $362K (2020) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $272K (75%)
- Approval → funding
- 21 days
- Approved
- 7/10/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (12/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $402K
- Est. down payment (10%)
- $40K
- Est. cash at closing
- $54K
- Monthly payment
- $3,929
- 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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Victor A. Sanchez in Fresno, CA — $250K (2020) · purchase · Fresno Community Development Financial Institution dba Access Plus Capital
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 63 days
- Approved
- 7/7/2020
- First disbursed
- 9/8/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,066
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $46K
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 Fresno Community Development Financial Institution dba Access Plus Capital
Your business? Claim this record · Request removal
- Honeycutt Hardware LLC in Santa Maria, CA — $100K (2020) · purchase · Customers Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 5/4/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- $1,110
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $17K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Honeycutt Hardware LLC in Santa Maria, CA — $100K (2020) · purchase · Customers Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 5/29/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- $1,110
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $17K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
- Honeycutt Hardware LLC in Santa Maria, CA — $100K (2020) · purchase · Customers Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 28 days
- Approved
- 6/2/2020
- First disbursed
- 6/30/2020
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- $1,110
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $17K
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 Customers Bank · Lender record →
Your business? Claim this record · Request removal
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to hardware stores businesses with a California project address.
Agent summary
How to finance a hardware stores acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. Customers Bank funds the most here. CapBench is not a lender.
- $887K typical loan
- 7 lenders active in California
- 12+ funded California deals
- 27 days typical to fund
Buyers buying a hardware stores in California 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 2026-10-13.
- 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.