Lender intelligence
Financing a hardware stores acquisition in Kentucky
The SBA 7(a) lenders funding the most hardware stores acquisitions in Kentucky, 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 Kentucky
$1.88M
Typical loan
range $1.33M–$2.70M
$2.08M
Est. purchase price
≈ loan ÷ 90%
$286,692
Cash to close
$208,333 down + fees
$24,262/mo
Typical payment
~9.5% · 10yr
$334,816/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
34 days
Typical time to fund
3
Lenders competing
more = leverage
4.94%
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 · Kentucky
Ranked by funded hardware stores acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.31 loans · $13M · Louisville, KYFull record →
- 2.88 loans · $96M · Muncie, INFull record →
- 3.242 loans · $281M · Chicago, ILFull record →
4+ funded Hardware Stores in Kentucky 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.
- Carroll Brownsboro Holdings, LLC in Louisville, KY — $2.7M (2021) · purchase · Stock Yards Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (90%)
- Approval → funding
- 10 days
- Approved
- 9/20/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $300K
- Est. cash at closing
- $414K
- Monthly payment
- $27,658
- Annual debt service
- $332K
- Cash flow needed (1.25×)
- $415K
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 Stock Yards Bank & Trust Company · Lender record →
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- Sanitas Capital LLC in Bellevue, KY — $1.9M (2021) · purchase · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 60 days
- Approved
- 12/18/2020
- First disbursed
- 2/16/2021
- Loan status
- Paid in full (7/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.1M
- Est. down payment (10%)
- $208K
- Est. cash at closing
- $287K
- Monthly payment
- $11,514
- Annual debt service
- $138K
- Cash flow needed (1.25×)
- $173K
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 Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- Carroll Brownsboro Holdings, LLC in Louisville, KY — $300K (2021) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 16 days
- Approved
- 9/14/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,037
- Annual debt service
- $36K
- 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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Clark's Hardware and Power Equipment, LLC in Madisonville, KY — $1.3M (2020) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 263 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 34 days
- Approved
- 8/6/2020
- First disbursed
- 9/9/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 44
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $148K
- Est. cash at closing
- $203K
- Monthly payment
- $9,136
- Annual debt service
- $110K
- Cash flow needed (1.25×)
- $137K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Financing a hardware stores deal in Kentucky? 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 Kentucky project address.
Agent summary
How to finance a hardware stores acquisition in Kentucky with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Kentucky deals. Stock Yards Bank & Trust Company funds the most here. CapBench is not a lender.
- $887K typical loan
- 3 lenders active in Kentucky
- 4+ funded Kentucky deals
- 34 days typical to fund
Buyers buying a hardware stores in Kentucky 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 2026-06-17.
- 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.