Lender intelligence

Financing a hardware stores acquisition in Florida

State:

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

$12,119/mo

Typical payment

~9.5% · 10yr

$167,242/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

5.55%

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 · Florida

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

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

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 →
Your business? Claim this record · Request removal
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

Financing a hardware stores deal in Florida? 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 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. 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.

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/florida
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.