Industry · lender intelligence

Financing a home centers acquisition

State:

The SBA 7(a) lenders funding the most home centers acquisitions, ranked from public loan records — typical deal about $981K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance home centers

$700K

Typical loan

range $458K–$1.30M

$778K

Est. purchase price

≈ loan ÷ 90%

$104,028

Cash to close

$77,778 down + fees

$9,058/mo

Typical payment

~9.5% · 10yr

$125,000/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

7.56%

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 home centers

Ranked by funded home centers acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.6 loans · $4M · Defiance, OHFull record →
2.60 loans · $40M · Clayton, MOFull record →
3.14 loans · $12M · Springfield, MOFull record →
4.4 loans · $2M · Laconia, NHFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.8 loans · $8M · Wichita, KSFull record →
7.72 loans · $22M · Rockland, MAFull record →
8.1,296 loans · $1.4B · Wilmington, NCFull record →
9.9 loans · $10M · Latham, NYFull record →
10.33 loans · $15M · Minneapolis, MNFull record →
11.4 loans · $2M · Dallas, TXFull record →
12.9 loans · $6M · Santa Cruz, CAFull record →
13.97 loans · $96M · Raleigh, NCFull record →
14.16 loans · $6M · New Castle, INFull record →
15.38 loans · $26M · Richmond City, VAFull record →
16.1 loans · $1M · Raton, NMFull record →
17.53 loans · $101M · Dallas, TXFull record →
18.9 loans · $6M · Ash Flat, ARFull record →
19.575 loans · $220M · De Graff, OHFull record →

31+ funded home centers 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.

Miller Business Holdings LLC in Marco Island, FL — $510K (2026) · purchase · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$383K (75%)
Approval → funding
21 days
Approved
11/14/2025
First disbursed
12/5/2025
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
Home Centers
If you were the buyer here
Est. deal size
$567K
Est. down payment (10%)
$57K
Est. cash at closing
$76K
Monthly payment
$6,669
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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 Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Sims Family Enterprises, Inc. in Thayer, MO — $4.6M (2025) · purchase · FNBC Bank
Program
7a General
Rate at approval
9.5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$3.5M (75%)
Approved
2/11/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$5.2M
Est. down payment (10%)
$515K
Est. cash at closing
$713K
Monthly payment
$43,229
Annual debt service
$519K
Cash flow needed (1.25×)
$648K
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 FNBC Bank · Lender record →
Your business? Claim this record · Request removal
Village 1, LLC in Geneseo, IL — $2.0M (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
33 days
Approved
12/19/2024
First disbursed
1/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$222K
Est. cash at closing
$306K
Monthly payment
$25,604
Annual debt service
$307K
Cash flow needed (1.25×)
$384K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
B J Discount Inc in Garden Grove, CA — $458K (2025) · purchase · Farmers & Merchants Bank of Long Beach
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$343K (75%)
Approval → funding
8 days
Approved
7/30/2025
First disbursed
8/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$509K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,923
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
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 Farmers & Merchants Bank of Long Beach
Your business? Claim this record · Request removal
GT Partners, LLC in New Castle, IN — $1.4M (2024) · purchase · Citizens State Bank of New Castle
Program
7a General
Rate at approval
8.75% variable
Term
121 months
SBA guaranteed
$1.0M (75%)
Approval → funding
67 days
Approved
3/14/2024
First disbursed
5/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
25
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$153K
Est. cash at closing
$210K
Monthly payment
$17,206
Annual debt service
$206K
Cash flow needed (1.25×)
$258K
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 Citizens State Bank of New Castle · Lender record →
Your business? Claim this record · Request removal
Etowah Fireplace and Patio, Inc in Etowah, NC — $1.3M (2024) · purchase · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.35% fixed
Term
200 months
SBA guaranteed
$980K (75%)
Approval → funding
17 days
Approved
1/6/2024
First disbursed
1/23/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$145K
Est. cash at closing
$199K
Monthly payment
$11,349
Annual debt service
$136K
Cash flow needed (1.25×)
$170K
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-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Pruitt Home Improvement Enterprises, LLC in West Plains, MO — $900K (2024) · purchase · OMB Bank
Program
Preferred Lenders Program
Rate at approval
9.875% variable
Term
300 mo (25 yrs)
SBA guaranteed
$675K (75%)
Approval → funding
18 days
Approved
9/19/2024
First disbursed
10/7/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$100K
Est. cash at closing
$137K
Monthly payment
$8,099
Annual debt service
$97K
Cash flow needed (1.25×)
$121K
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 OMB Bank · Lender record →
Your business? Claim this record · Request removal
NATIONAL HOME PRODUCTS, LLC in Springfield, MO — $768K (2024) · purchase · OMB Bank
Program
Preferred Lenders Program
Rate at approval
10.9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$576K (75%)
Approval → funding
25 days
Approved
9/30/2024
First disbursed
10/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$853K
Est. down payment (10%)
$85K
Est. cash at closing
$117K
Monthly payment
$10,532
Annual debt service
$126K
Cash flow needed (1.25×)
$158K
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 OMB Bank · Lender record →
Your business? Claim this record · Request removal
1S and 2S Inc in Buena Vista, CO — $406K (2024) · purchase · InBank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$304K (75%)
Approval → funding
2 days
Approved
8/26/2024
First disbursed
8/28/2024
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
Home Centers
If you were the buyer here
Est. deal size
$451K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$5,529
Annual debt service
$66K
Cash flow needed (1.25×)
$83K
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 InBank · Lender record →
Your business? Claim this record · Request removal
VIVICAH Holdings, Inc in Keysville, VA — $150K (2024) · purchase · Atlantic Union Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
107 days
Approved
8/21/2024
First disbursed
12/6/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,024
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Atlantic Union Bank · Lender record →
Your business? Claim this record · Request removal
YANEZ PROPERTIES LLC in Reedley, CA — $2.5M (2023) · purchase · West Coast Community Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
13 days
Approved
9/13/2023
First disbursed
9/26/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$278K
Est. cash at closing
$383K
Monthly payment
$22,718
Annual debt service
$273K
Cash flow needed (1.25×)
$341K
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 West Coast Community Bank · Lender record →
Your business? Claim this record · Request removal
JONATHAN SPEAR HOLDINGS LLC in Belton, SC — $1.3M (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$975K (75%)
Approval → funding
14 days
Approved
11/4/2022
First disbursed
11/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$198K
Monthly payment
$15,094
Annual debt service
$181K
Cash flow needed (1.25×)
$226K
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
Park Enterprise, LLC. in Tonganoxie, KS — $1.0M (2023) · purchase · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
165 months
SBA guaranteed
$758K (75%)
Approval → funding
8 days
Approved
12/28/2022
First disbursed
1/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$112K
Est. cash at closing
$154K
Monthly payment
$9,411
Annual debt service
$113K
Cash flow needed (1.25×)
$141K
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 Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
RJ Dipo Family, LLC in Cheektowaga, NY — $927K (2023) · purchase · New York Business Development Corporation
Program
7a General
Rate at approval
10.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$695K (75%)
Approval → funding
12 days
Approved
11/30/2022
First disbursed
12/12/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$103K
Est. cash at closing
$141K
Monthly payment
$12,508
Annual debt service
$150K
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 New York Business Development Corporation · Lender record →
Your business? Claim this record · Request removal
Main Street Ace Hardware, LLC in Bowling Green, OH — $535K (2023) · purchase · The State Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$401K (75%)
Approval → funding
3 days
Approved
1/10/2023
First disbursed
1/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$594K
Est. down payment (10%)
$59K
Est. cash at closing
$79K
Monthly payment
$3,951
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 The State Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
21 Driftwood LLC in Inverness, FL — $345K (2023) · purchase · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
98 months
SBA guaranteed
$259K (75%)
Approval → funding
15 days
Approved
12/21/2022
First disbursed
1/5/2023
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
6
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$383K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,984
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
Main Street Ace Hardware, LLC in Bowling Green, OH — $297K (2023) · purchase · The State Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$223K (75%)
Approval → funding
3 days
Approved
1/10/2023
First disbursed
1/13/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$330K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,525
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 The State Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
NEFP, Inc. in Middleton, MA — $1.4M (2022) · purchase · Rockland Trust Company
Program
7a General
Rate at approval
3.95% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
50 days
Approved
12/12/2021
First disbursed
1/31/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$157K
Est. cash at closing
$216K
Monthly payment
$14,303
Annual debt service
$172K
Cash flow needed (1.25×)
$215K
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
Burge Gabriel LLC in Kingman, AZ — $1.3M (2022) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$974K (75%)
Approval → funding
9 days
Approved
2/28/2022
First disbursed
3/9/2022
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
Home Centers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$198K
Monthly payment
$8,369
Annual debt service
$100K
Cash flow needed (1.25×)
$126K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Fergus Home & Hardware, Inc. in Fergus Falls, MN — $1.0M (2022) · purchase · Farmers State Bank of Underwood
Program
7a General
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$773K (75%)
Approval → funding
40 days
Approved
10/22/2021
First disbursed
12/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Home Centers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$114K
Est. cash at closing
$157K
Monthly payment
$11,051
Annual debt service
$133K
Cash flow needed (1.25×)
$166K
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 Farmers State Bank of Underwood
Your business? Claim this record · Request removal

Financing a home centers deal? Start with a lender that knows it

We'll point you to the SBA lenders already funding deals in your industry — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to home centers businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a home centers acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. The State Bank and Trust Company funds the most. CapBench is not a lender.

$981K typical loan
25 lenders fund the industry
22 days typical to fund

Buyers researching a home centers deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/home-centers
API:: https://www.capbench.com/api/public/lenders?industry=home-centers
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.