{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/industry/hardware-retailers-444140","type":"industry","name":"Hardware Retailers","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"naics":"444140","name":"Hardware Retailers","slug":"hardware-retailers-444140","summary":{"loans":268,"dollars":290036700,"median":758450,"mean":1082226,"p25":310900,"p75":1441125,"avg_rate":7.01,"median_term":120,"guaranty_share":0.757,"jobs":3909,"franchise_loans":152,"recent_loans":58},"by_fy":[{"fy":2018,"loans":19,"dollars":14589300,"median":612500},{"fy":2019,"loans":18,"dollars":16072100,"median":788000},{"fy":2020,"loans":38,"dollars":33460000,"median":577500},{"fy":2021,"loans":41,"dollars":40216800,"median":776500},{"fy":2022,"loans":42,"dollars":38743800,"median":632500},{"fy":2023,"loans":28,"dollars":35538300,"median":854750},{"fy":2024,"loans":24,"dollars":21021000,"median":761000},{"fy":2025,"loans":29,"dollars":44289200,"median":990000},{"fy":2026,"loans":29,"dollars":46106200,"median":1152300}],"seasoned":{"loans":116,"charged_off":2,"paid_in_full":50,"chargeoff_rate":0.0172,"chargeoff_dollar_rate":0.0044,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":268,"median":758450,"p25":310900,"p75":1441125,"avg_rate":7.01,"median_term":120,"chargeoff_rate":0.0172},"parents":[]},"concentration":{"by":"lender","top1":0.194,"top3":0.2761,"n3plus":19,"distinct":122},"recent":{"loans":58,"median":1097000,"prior_loans":52,"change":0.1154},"size_mix":{"lt350k":0.2724,"350k_1m":0.3358,"1m_2m":0.2351,"gt2m":0.1567},"top_states":[{"key":"CA","loans":22,"dollars":27773000,"name":"California","slug":"ca"},{"key":"WI","loans":19,"dollars":19056400,"name":"Wisconsin","slug":"wi"},{"key":"MN","loans":15,"dollars":8754300,"name":"Minnesota","slug":"mn"},{"key":"TX","loans":14,"dollars":18008300,"name":"Texas","slug":"tx"},{"key":"FL","loans":13,"dollars":23340300,"name":"Florida","slug":"fl"},{"key":"MI","loans":13,"dollars":12624900,"name":"Michigan","slug":"mi"},{"key":"IN","loans":13,"dollars":9304800,"name":"Indiana","slug":"in"},{"key":"OH","loans":12,"dollars":12181600,"name":"Ohio","slug":"oh"},{"key":"CO","loans":10,"dollars":11788800,"name":"Colorado","slug":"co"},{"key":"NY","loans":10,"dollars":9320000,"name":"New York","slug":"ny"}],"top_lenders":[{"key":"Live Oak Banking Company","loans":52,"dollars":84142000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"The Huntington National Bank","loans":13,"dollars":8529000,"name":"The Huntington National Bank","slug":"the-huntington-national-bank"},{"key":"Byline Bank","loans":9,"dollars":13356000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Old National Bank","loans":7,"dollars":6891200,"name":"Old National Bank","slug":"old-national-bank"},{"key":"BankVista","loans":5,"dollars":9174000,"name":"BankVista","slug":"bankvista"},{"key":"SouthState Bank, National Association","loans":5,"dollars":8626100,"name":"SouthState Bank, National Association","slug":"southstate-bank-national-association"},{"key":"Columbia Bank","loans":5,"dollars":4555000,"name":"Columbia Bank","slug":"columbia-bank"},{"key":"Beacon Bank and Trust","loans":5,"dollars":3201500,"name":"Beacon Bank and Trust","slug":"beacon-bank-and-trust"},{"key":"First Financial Bank","loans":5,"dollars":1733500,"name":"First Financial Bank","slug":"first-financial-bank"},{"key":"Northwest Bank","loans":4,"dollars":5444000,"name":"Northwest Bank","slug":"northwest-bank"}],"top_franchises":[{"key":"S0067","loans":106,"dollars":139771300,"name":"Ace Hardware","slug":"ace-hardware"},{"key":"S2175","loans":23,"dollars":16694700,"name":"Do it Best","slug":"do-it-best"},{"key":"S2299","loans":14,"dollars":11746600,"name":"True Value","slug":"true-value"},{"key":"S0792","loans":3,"dollars":3670300,"name":"Hardware Hank","slug":"hardware-hank"},{"key":"S1945","loans":3,"dollars":2100500,"name":"Woodcraft","slug":"woodcraft"}]}}