Lender intelligence

Financing a hardware stores acquisition in California

State:

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

$6,069/mo

Typical payment

~9.5% · 10yr

$83,752/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

6.04%

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 · California

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

Not enough public hardware stores loan history in California to rank lenders yet. See hardware stores lenders nationwide →

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
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%)
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

Financing a hardware stores deal in California? 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 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. 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.

Next steps

Pre-qualify this deal Talk to a loan broker All hardware stores lenders

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.
Canonical:: https://www.capbench.com/lenders/industry/hardware-stores/california
API:: https://www.capbench.com/api/public/lenders?industry=hardware-stores
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.