Lender intelligence

Financing a hardware stores acquisition in Georgia

State:

The SBA 7(a) lenders funding the most hardware stores acquisitions in Georgia, 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 Georgia

$905K

Typical loan

range $525K–$1.40M

$1.01M

Est. purchase price

≈ loan ÷ 90%

$137,887

Cash to close

$100,556 down + fees

$11,710/mo

Typical payment

~9.5% · 10yr

$161,598/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

7 days

Typical time to fund

Lenders competing

more = leverage

5.44%

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 · Georgia

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

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

4+ funded Hardware Stores in Georgia 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.

West Paces Ace Hardware, LLC in Atlanta, GA — $1.4M (2021) · purchase · First Community Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
6 days
Approved
5/6/2021
First disbursed
5/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$155K
Est. cash at closing
$213K
Monthly payment
$15,139
Annual debt service
$182K
Cash flow needed (1.25×)
$227K
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 Community Bank · Lender record →
Your business? Claim this record · Request removal
Southern Farm & Hardware of Elberton, L.L.C. in Elberton, GA — $905K (2021) · purchase · United Community Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$815K (90%)
Approval → funding
7 days
Approved
2/18/2021
First disbursed
2/25/2021
Loan status
Current
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
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$9,822
Annual debt service
$118K
Cash flow needed (1.25×)
$147K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal
TMC ACE ENTERPRISES, LLC in Atlanta, GA — $525K (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$473K (90%)
Approval → funding
22 days
Approved
7/13/2021
First disbursed
8/4/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$583K
Est. down payment (10%)
$58K
Est. cash at closing
$78K
Monthly payment
$5,633
Annual debt service
$68K
Cash flow needed (1.25×)
$84K
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
Southern Farm & Hardware of Elberton, L.L.C. in Elberton, GA — $50K (2021) · purchase · United Community Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (75%)
Approved
2/18/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Hardware Stores
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$543
Annual debt service
$7K
Cash flow needed (1.25×)
$8K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal

Financing a hardware stores deal in Georgia? 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 Georgia project address.

Agent summary

How to finance a hardware stores acquisition in Georgia with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Georgia deals. CapBench is not a lender.

$887K typical loan
3 lenders active in Georgia
4+ funded Georgia deals
7 days typical to fund

Buyers buying a hardware stores in Georgia 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/georgia
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.