Lender intelligence
Financing a hardware stores acquisition in Massachusetts
The SBA 7(a) lenders funding the most hardware stores acquisitions in Massachusetts, 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 Massachusetts
$495K
Typical loan
range $50K–$1.95M
$550K
Est. purchase price
≈ loan ÷ 90%
$73,563
Cash to close
$55,000 down + fees
$6,405/mo
Typical payment
~9.5% · 10yr
$88,389/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
228 days
Typical time to fund
2
Lenders competing
more = leverage
5%
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 · Massachusetts
Ranked by funded hardware stores acquisitions in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.72 loans · $22M · Rockland, MAFull record →
3+ funded Hardware Stores in Massachusetts 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.
- Marblehead Hardware in Marblehead, MA — $1.9M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (90%)
- Approval → funding
- 11 days
- Approved
- 2/5/2021
- First disbursed
- 2/16/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $217K
- Est. cash at closing
- $298K
- Monthly payment
- $12,564
- Annual debt service
- $151K
- Cash flow needed (1.25×)
- $188K
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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- Woodside Hardware Co., Inc. in Winthrop, MA — $495K (2021) · purchase · Rockland Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $371K (75%)
- Approval → funding
- 228 days
- Approved
- 12/4/2020
- First disbursed
- 7/20/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $550K
- Est. down payment (10%)
- $55K
- Est. cash at closing
- $74K
- Monthly payment
- $5,190
- 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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
- Woodside Hardware Co., Inc. in Winthrop, MA — $50K (2021) · purchase · Rockland Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% variable
- Term
- 12 mo (1 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 12/4/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- 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
- $4,263
- Annual debt service
- $51K
- Cash flow needed (1.25×)
- $64K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Financing a hardware stores deal in Massachusetts? 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 Massachusetts project address.
Agent summary
How to finance a hardware stores acquisition in Massachusetts with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Massachusetts deals. Rockland Trust Company funds the most here. CapBench is not a lender.
- $887K typical loan
- 2 lenders active in Massachusetts
- 3+ funded Massachusetts deals
- 228 days typical to fund
Buyers buying a hardware stores in Massachusetts 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.