Financing an Ace Hardware with an SBA loan
Since FY2020, 100 Ace Hardware locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.
Ace Hardware franchising: myace.com
What a lender sees
Ace Hardware is an established brand in the SBA loan file: 100 acquisitions cleared underwriting in the last five years. At the $1,823,000 median loan, a standard 7(a) structure puts roughly $182,300 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 7.75 percent median rate is the number to model your payment against.
Lenders that actually write these
The banks below approved the most Ace Hardware acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company26 Ace Hardware loans
- Huntington National Bank5 Ace Hardware loans
- Northwest Bank4 Ace Hardware loans
- American National Bank of Texas3 Ace Hardware loans
- Byline Bank3 Ace Hardware loans
SBA conditions on this brand
Ace Hardware is listed in the SBA Franchise Directory with no brand-specific lender conditions on file. A lender still runs the standard franchise review, but there is no special addendum or lease restriction attached to this brand.
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Ace Hardware or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.