FranchiseRanked

Ace Hardware

RetailSBA loans FY2020–FY2026

315

SBA Loans

$315.4M

Total Financed

$1.0M

Avg Loan Size

+164%

YoY Loan Growth

How Ace Hardware Compares

  • Ranks #1 of 413 Retail brands by SBA loan count (#6 of 3,543 overall).
  • Its average loan of $1.0M is 141% above the Retail median of $415K.
  • Its 0.0% charge-off rate compares to a 1.1% average across all Retail brands.

SBA Loan Activity by Fiscal Year

Fiscal YearLoansTotal Financed
FY202057$49.6M
FY202188$86.3M
FY202256$46.5M
FY202334$36.3M
FY202411$7.2M
FY202529$36.2M
FY202640$53.4M

FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where Ace Hardware Is Getting SBA-Financed

Texas38 loans · $50.2MCalifornia31 loans · $22.9MGeorgia24 loans · $23.3MMichigan20 loans · $16.1MColorado15 loans · $16.0MWisconsin14 loans · $9.9MOhio14 loans · $8.3MMinnesota13 loans · $10.0MIndiana12 loans · $11.3MOregon12 loans · $13.4MArizona11 loans · $15.8MFlorida9 loans · $14.0MWashington7 loans · $10.6MMaryland6 loans · $4.5MNorth Carolina6 loans · $7.1M

Recent SBA-Financed Ace Hardware Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

Stine Ace Hardware, LLCLOCKHART, TX
$3,350,0002026-06-26
CBS Home Express & More, LLCCoushatta, LA
$2,400,0002026-05-28
Big Johns Building Supply, LLCCEDAREDGE, CO
$545,0002026-04-29
Kenosha Hardware South LLCKENOSHA, WI
$836,0002026-04-22
Galaxy Hardware, Inc.BRIDGEPORT, TX
$1,643,8002026-04-06
SEMM Kipling LLCLITTLETON, CO
$875,0002026-04-03
Kermit Hardware LLCKERMIT, TX
$3,511,0002026-03-27
Orchard Marketplace, Inc.CATHEDRAL CITY, CA
$600,0002026-03-04
Matt's Ace Hardware LLCDELTONA, FL
$2,472,3002026-03-03
Max's Ace Hardware , LLCHAINES CITY, FL
$1,330,3002026-03-03
BRITE LUMBERNEW EGYPT, NJ
$150,0002026-02-18
Heights Ace HardwareBILLINGS, MT
$3,257,8002026-01-27
Max's Ace Hardware , LLCHAINES CITY, FL
$1,360,0002026-01-27
Sound Hardware Vashon Mercantile LLCVASHON, WA
$1,600,0002026-01-27
Matt's Ace Hardware LLCDELTONA, FL
$2,615,0002026-01-26
CLEARSCAI CO.CHEVERLY, MD
$733,0002026-01-23
Barnegat Ace LLCBARNEGAT, NJ
$250,0002026-01-23
MKG ACE LLCADAMS, WI
$4,000,0002026-01-13
R&R Hardware Solutions LTDN LITTLE ROCK, AR
$4,750,0002026-01-12
MKG ACE LLCADAMS, WI
$350,0002026-01-12
Rogers Group of Liberty LLCBIXBY, OK
$970,0002026-01-06
TRENTHAMS, INCORPORATEDGatlinburg, TN
$350,0002025-12-16
Palmdale Ace LLCPALMDALE, CA
$1,390,0002025-12-16
Charlestown Ace HardwareCHARLESTOWN, MA
$120,0002025-12-02
Nuts & Boltz Works, Inc.EAST MORICHES, NY
$3,675,0002025-12-01

Frequently Asked Questions

Is Ace Hardware growing or shrinking?

Ace Hardware's SBA loan count grew +164% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.

How much does it cost to open a Ace Hardware franchise?

We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $1.0M (141% above the typical Retail brand's $415K) is a rough proxy, but SBA loans often cover only part of total investment.

What's the SBA loan default rate for Ace Hardware?

0 of 315 SBA loans to Ace Hardware franchisees (0.0%) have been charged off since FY2020, compared to 1.1% across all Retail brands.

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Planning to finance a retail purchase?

Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.

Source: SBA 7(a) FOIA loan dataset. View dataset