Retail & Shops · lender intelligence
How to finance a Ace Hardware in Michigan
The SBA 7(a) lenders funding the most Ace Hardware deals in Michigan, from public loan records — typical Ace Hardware loan about $642K. A bank already funding the brand in your state knows it twice over.
Most active with Ace Hardware in Michigan
Ranked by funded Ace Hardware loans in Michigan. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.23 loans · $15M · Sparta, MIFull record →
- 3.2,539 loans · $965M · Columbus, OHFull record →
- 4.1 loans · $0M · Ludington, MIFull record →
- 5.31 loans · $11M · Green Bay, WIFull record →
- 6.20 loans · $8M · Saint Petersburg, FLFull record →
20+ funded Ace Hardware in Michigan 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.
- Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $934K (75%)
- Approval → funding
- 38 days
- Approved
- 11/24/2025
- First disbursed
- 1/1/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $138K
- Est. cash at closing
- $190K
- Monthly payment
- $14,613
- Annual debt service
- $175K
- Cash flow needed (1.25×)
- $219K
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 ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Atkinson AHR LLC in Reese, MI — $1.2M (2026) · purchase · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $864K (75%)
- Approval → funding
- 38 days
- Approved
- 11/24/2025
- First disbursed
- 1/1/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $128K
- Est. cash at closing
- $176K
- Monthly payment
- $8,329
- Annual debt service
- $100K
- Cash flow needed (1.25×)
- $125K
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 ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Ace Hardware of Walnut Lake LLC in West Bloomfield, MI — $1.1M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $794K (75%)
- Approval → funding
- 27 days
- Approved
- 11/18/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $118K
- Est. cash at closing
- $161K
- Monthly payment
- $12,296
- Annual debt service
- $148K
- Cash flow needed (1.25×)
- $184K
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
- TRI-POINT TRADING ACE HARDWARE LLC in Metamora, MI — $595K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $446K (75%)
- Approval → funding
- 34 days
- Approved
- 11/19/2025
- First disbursed
- 12/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Ace Hardware of Commerce, LLC in Commerce Township, MI — $480K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 27 days
- Approved
- 11/18/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Ace Hardware of Commerce, LLC in Commerce Township, MI — $300K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approval → funding
- 25 days
- Approved
- 11/20/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- J & M HARDWARE INCORPORATED in Commerce Township, MI — $150K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 25 days
- Approved
- 11/20/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 39
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Atkinson AHF, Inc. in Fenton, MI — $490K (2025) · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $368K (75%)
- Approved
- 1/29/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- ATKINSON AHF INC in Fenton, MI — $490K (2025) · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $368K (75%)
- Approval → funding
- 22 days
- Approved
- 2/5/2025
- First disbursed
- 2/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Grand Haven Ace LLC in Grand Haven, MI — $1.8M (2024) · West Shore Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 7 days
- Approved
- 10/6/2023
- First disbursed
- 10/13/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by West Shore Bank · Lender record →
Your business? Claim this record · Request removal
- 75 E M 134 Holding Company LLC in Cedarville, MI — $850K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 156 mo (13 yrs)
- SBA guaranteed
- $638K (75%)
- Approval → funding
- 37 days
- Approved
- 2/14/2023
- First disbursed
- 3/23/2023
- 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
- Hardware Retailers
If you were the buyer here
- Est. deal size
- $944K
- Est. down payment (10%)
- $94K
- Est. cash at closing
- $130K
- Monthly payment
- $9,262
- Annual debt service
- $111K
- Cash flow needed (1.25×)
- $139K
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
- Port Huron Ace, LLC in Port Huron, MI — $685K (2023) · National Cooperative Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $514K (75%)
- Approval → funding
- 36 days
- Approved
- 3/7/2023
- First disbursed
- 4/12/2023
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by National Cooperative Bank, National Association
Your business? Claim this record · Request removal
- CJ's Ace Hardware in Greenville, MI — $500K (2022) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 28 days
- Approved
- 3/17/2022
- First disbursed
- 4/14/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Retailers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Clouse Reed City Ace Hardware, Inc in Reed City, MI — $115K (2022) · Nicolet National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $58K (50%)
- Approval → funding
- 0 days
- Approved
- 3/31/2022
- First disbursed
- 3/31/2022
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Retailers
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
- ALPHA GROUP DEVELOPMENT LLC in Greenville, MI — $2.8M (2021) · purchase · United Bank of Michigan
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 288 mo (24 yrs)
- SBA guaranteed
- $2.5M (90%)
- Approval → funding
- 54 days
- Approved
- 3/26/2021
- First disbursed
- 5/19/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 49
- Business age
- Change of Ownership
- Industry
- Hardware Stores
If you were the buyer here
- Est. deal size
- $3.1M
- Est. down payment (10%)
- $306K
- Est. cash at closing
- $423K
- Monthly payment
- $15,292
- Annual debt service
- $184K
- Cash flow needed (1.25×)
- $229K
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 Bank of Michigan
Your business? Claim this record · Request removal
- Visser Hardware, LLC in Holland, MI — $1.1M (2021) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 200 months
- SBA guaranteed
- $953K (90%)
- Approval → funding
- 71 days
- Approved
- 8/16/2021
- First disbursed
- 10/26/2021
- Loan status
- Paid in full (10/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- New Business or 2 years or less
- Industry
- Hardware Stores
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- White Lake Ace, LLC in Whitehall, MI — $1.0M (2021) · West Shore Bank
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $945K (90%)
- Approval → funding
- 12 days
- Approved
- 4/29/2021
- First disbursed
- 5/11/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Stores
Funded by West Shore Bank · Lender record →
Your business? Claim this record · Request removal
- Clouse Reed City Properties, LLC in Reed City, MI — $916K (2021) · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $825K (90%)
- Approval → funding
- 39 days
- Approved
- 9/20/2021
- First disbursed
- 10/29/2021
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Hardware Stores
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
- LHA Real Estate LLC in Hazel Park, MI — $322K (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $290K (90%)
- Approval → funding
- 18 days
- Approved
- 8/5/2021
- First disbursed
- 8/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MYTOWN STORES INC. in Rockford, MI — $128K (2021) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 3.84% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $64K (50%)
- Approval → funding
- 1 days
- Approved
- 12/30/2020
- First disbursed
- 12/31/2020
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Hardware Stores
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Ace Hardware in Michigan? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded Ace Hardware loans with a Michigan project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Ace Hardware purchase in Michigan with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Michigan deals. Live Oak Banking Company funds the most here. DealRoom is not a lender.
- $642K typical Ace Hardware loan
- 8 lenders active in Michigan
- 20+ funded Michigan deals
- 28 days typical to fund
Buyers buying a Ace Hardware in Michigan typically pre-qualify, then ask DealRoom to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.