SBA Loans for Ace Hardware Franchises
Who actually funds Ace Hardware SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding Ace Hardware SBA loans
Ranked by number of Ace Hardware 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 71 | $90.3M | $1.3M |
| 2 | Wells Fargo Bank National Association | 20 | $16.9M | $844K |
| 3 | The Huntington National Bank | 10 | $4.5M | $451K |
| 4 | National Cooperative Bank, National Association | 9 | $10.7M | $1.2M |
| 5 | Nicolet National Bank | 8 | $3.4M | $427K |
| 6 | The American National Bank of Texas | 6 | $4.2M | $708K |
| 6 | Byline Bank | 6 | $11.6M | $1.9M |
| 8 | BayFirst National Bank | 5 | $1.7M | $332K |
| 9 | Zions Bank, A Division of | 4 | $3.0M | $749K |
| 9 | Five Star Bank | 4 | $2.0M | $500K |
| 9 | ChoiceOne Bank | 4 | $3.4M | $844K |
| 12 | Northeast Bank | 3 | $3.7M | $1.2M |
| 12 | Columbia Bank | 3 | $4.2M | $1.4M |
| 12 | BankVista | 3 | $4.5M | $1.5M |
| 12 | Old National Bank | 3 | $3.2M | $1.1M |
| 12 | Bank of America, National Association | 3 | $4.3M | $1.4M |
| 12 | BMO Bank National Association | 3 | $5.4M | $1.8M |
| 12 | Pinnacle Bank | 3 | $1.5M | $492K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Ace Hardware loan in this period, ranked by loan count.
Ace Hardware SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 30 | $37.0M | $1.2M |
| CA | 28 | $20.7M | $741K |
| GA | 19 | $18.8M | $990K |
| MI | 20 | $16.1M | $806K |
| FL | 8 | $13.4M | $1.7M |
| AZ | 9 | $12.2M | $1.4M |
| CO | 10 | $11.4M | $1.1M |
| AR | 4 | $10.9M | $2.7M |
| WA | 5 | $9.4M | $1.9M |
| NY | 6 | $8.9M | $1.5M |
| MN | 10 | $8.8M | $883K |
| IN | 7 | $8.5M | $1.2M |
| WI | 10 | $8.3M | $834K |
| OH | 13 | $7.2M | $554K |
| OR | 6 | $6.9M | $1.1M |
Ace Hardware SBA loans by year
How to use this
The lenders above have actually closed SBA 7(a) loans for Ace Hardware franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in — we match your Ace Hardware deal to a lender currently funding this brand.
Financing a Ace Hardware franchise?
We know which lenders are actively funding Ace Hardware deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).