{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/franchise/ace-hardware","type":"franchise","name":"Ace Hardware","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"code":"S0067","name":"Ace Hardware","raw_name":"Ace Hardware","slug":"ace-hardware","supply_agreement":false,"summary":{"loans":111,"dollars":144470000,"median":957500,"mean":1301532,"p25":391000,"p75":1784000,"avg_rate":6.56,"median_term":120,"guaranty_share":0.759,"jobs":2416,"franchise_loans":111,"recent_loans":27},"by_fy":[{"fy":2018,"loans":6,"dollars":5745500,"median":724250},{"fy":2019,"loans":6,"dollars":4112400,"median":583250},{"fy":2020,"loans":20,"dollars":21557200,"median":752000},{"fy":2021,"loans":19,"dollars":22942800,"median":957500},{"fy":2022,"loans":19,"dollars":19040700,"median":766500},{"fy":2023,"loans":12,"dollars":11866700,"median":985000},{"fy":2024,"loans":2,"dollars":1745100,"median":872550},{"fy":2025,"loans":9,"dollars":20637500,"median":2019000},{"fy":2026,"loans":18,"dollars":36822100,"median":1422350}],"seasoned":{"loans":51,"charged_off":1,"paid_in_full":23,"chargeoff_rate":0.0196,"chargeoff_dollar_rate":0.0052,"fy_min":2018,"fy_max":2021},"top_states":[{"key":"CA","loans":9,"dollars":9371000,"name":"California","slug":"ca"},{"key":"GA","loans":7,"dollars":8471100,"name":"Georgia","slug":"ga"},{"key":"WI","loans":7,"dollars":7939200,"name":"Wisconsin","slug":"wi"},{"key":"CO","loans":7,"dollars":7208800,"name":"Colorado","slug":"co"},{"key":"OH","loans":7,"dollars":5455700,"name":"Ohio","slug":"oh"},{"key":"TX","loans":6,"dollars":10311100,"name":"Texas","slug":"tx"},{"key":"OR","loans":6,"dollars":8754000,"name":"Oregon","slug":"or"},{"key":"WA","loans":6,"dollars":8334000,"name":"Washington","slug":"wa"},{"key":"MI","loans":6,"dollars":7635500,"name":"Michigan","slug":"mi"},{"key":"IN","loans":6,"dollars":4882200,"name":"Indiana","slug":"in"}],"top_lenders":[{"key":"Live Oak Banking Company","loans":29,"dollars":49478000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"The Huntington National Bank","loans":5,"dollars":3717900,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Northwest Bank","loans":4,"dollars":5444000,"name":"Northwest Bank","slug":"northwest-bank"},{"key":"Byline Bank","loans":3,"dollars":6695000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Old National Bank","loans":3,"dollars":2972600,"name":"Old National Bank","slug":"old-national-bank"},{"key":"Columbia Bank","loans":3,"dollars":2161500,"name":"Columbia Bank","slug":"columbia-bank"},{"key":"Pinnacle Bank","loans":3,"dollars":1939000,"name":"Pinnacle Bank","slug":"pinnacle-bank"},{"key":"Nicolet National Bank","loans":3,"dollars":1102700,"name":"Nicolet National Bank","slug":"nicolet-national-bank"},{"key":"BankVista","loans":2,"dollars":4350000,"name":"BankVista","slug":"bankvista"},{"key":"First Interstate Bank","loans":2,"dollars":4026800,"name":"First Interstate Bank","slug":"first-interstate-bank"}],"top_industries":[{"key":"444140","loans":106,"dollars":139771300,"name":"Hardware Retailers","slug":"hardware-retailers-444140"},{"key":"444110","loans":3,"dollars":2130600,"name":"Home Centers","slug":"home-centers-444110"},{"key":"441330","loans":1,"dollars":1645100,"name":"Automotive Parts and Accessories Retailers","slug":"automotive-parts-and-accessories-retailers-441330"}],"primary_naics":"444140","compare":{"entity":{"loans":111,"median":957500,"p25":391000,"p75":1784000,"avg_rate":6.56,"median_term":120,"chargeoff_rate":0.0196},"parents":[{"kind":"industry","id":"444140","loans":268,"median":758450,"p25":310900,"p75":1441125,"avg_rate":7.01,"median_term":120,"chargeoff_rate":0.0172}]},"concentration":{"by":"lender","top1":0.2613,"top3":0.3423,"n3plus":8,"distinct":54},"recent":{"loans":27,"median":1823000,"prior_loans":14,"change":0.9286},"size_mix":{"lt350k":0.1982,"350k_1m":0.3333,"1m_2m":0.2432,"gt2m":0.2252},"states_count":33,"brand_share_of_industry":0.3955}}