Lender intelligence
Financing a hardware stores acquisition in North Carolina
The SBA 7(a) lenders funding the most hardware stores acquisitions in North Carolina, 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 North Carolina
$1.05M
Typical loan
range $100K–$1.18M
$1.17M
Est. purchase price
≈ loan ÷ 90%
$159,980
Cash to close
$116,667 down + fees
$13,587/mo
Typical payment
~9.5% · 10yr
$187,501/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
71 days
Typical time to fund
2
Lenders competing
more = leverage
5.67%
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 · North Carolina
Ranked by funded hardware stores acquisitions in North Carolina. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.1 loans · $0M · St. Louis, MOFull record →
3+ funded Hardware Stores in North Carolina 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.
- Western Auto Hardware and Lawn Equipment in Beulaville, NC — $1.2M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $883K (75%)
- Approval → funding
- 72 days
- Approved
- 10/12/2021
- First disbursed
- 12/23/2021
- Loan status
- In liquidation
- 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
- $1.3M
- Est. down payment (10%)
- $131K
- Est. cash at closing
- $179K
- Monthly payment
- $12,920
- Annual debt service
- $155K
- Cash flow needed (1.25×)
- $194K
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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- Western Auto Hardware and Lawn Equipment in Beulaville, NC — $100K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 71 days
- Approved
- 10/12/2021
- First disbursed
- 12/22/2021
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Revolving line
- 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
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,073
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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
- McArthur Investments LLC in Chadbourn, NC — $1.1M (2021) · purchase · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $945K (90%)
- Approval → funding
- 15 days
- Approved
- 2/8/2021
- First disbursed
- 2/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $117K
- Est. cash at closing
- $160K
- Monthly payment
- $11,657
- Annual debt service
- $140K
- Cash flow needed (1.25×)
- $175K
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 Bank · Lender record →
Your business? Claim this record · Request removal
Financing a hardware stores deal in North Carolina? 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 North Carolina project address.
Agent summary
How to finance a hardware stores acquisition in North Carolina with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded North Carolina deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $887K typical loan
- 2 lenders active in North Carolina
- 3+ funded North Carolina deals
- 71 days typical to fund
Buyers buying a hardware stores in North Carolina 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 2026-06-24.
- 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.