Lender intelligence
Financing a hardware stores acquisition in Florida
The SBA 7(a) lenders funding the most hardware stores acquisitions in Florida, 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 Florida
$937K
Typical loan
range $700K–$1.48M
$1.04M
Est. purchase price
≈ loan ÷ 90%
$142,702
Cash to close
$104,067 down + fees
$12,248/mo
Typical payment
~9.75% · 10yr
$169,022/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
5
Lenders competing
more = leverage
5.55%
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 · Florida
Ranked by funded hardware stores acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.78 loans · $53M · Birmingham, ALFull record →
- 3.23 loans · $30M · Stuart, FLFull record →
6+ funded Hardware Stores in Florida 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.
- 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
Your business? Claim this record · Request removal
- 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
- 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
- B & B Fastener & Supply Inc. in Ormond Beach, FL — $750K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $675K (90%)
- Approval → funding
- 16 days
- Approved
- 7/20/2021
- First disbursed
- 8/5/2021
- 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
- $833K
- Est. down payment (10%)
- $83K
- Est. cash at closing
- $114K
- Monthly payment
- $8,214
- Annual debt service
- $99K
- Cash flow needed (1.25×)
- $123K
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
- Sweets Inc in Winter Haven, FL — $937K (2020) · purchase · Regions Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.34% variable
- Term
- 119 months
- SBA guaranteed
- $702K (75%)
- Approval → funding
- 6 days
- Approved
- 4/24/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $104K
- Est. cash at closing
- $143K
- Monthly payment
- $9,699
- Annual debt service
- $116K
- Cash flow needed (1.25×)
- $145K
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 Regions 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 Florida project address.
Agent summary
How to finance a hardware stores acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $887K typical loan
- 5 lenders active in Florida
- 6+ funded Florida deals
- 16 days typical to fund
Buyers buying a hardware stores in Florida 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 2026-10-12.
- 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.