Financing for Hardware Stores

Hardware stores have unique needs to compete against big box giants crowding out the industry. For this reason, ARF Financial has created financing options specifically for hardware stores to serve their needs and remain competitive. While the industry has continued to be successful over the past 10 years and throughout the pandemic, quick access to capital remains key to overcoming short-term cash flow shortfalls to cover inventory or seizing long-term growth opportunities like opening a new location. Our hardware store loans and lines of credit can provide access to the right loan products, and we can do it fast, funding your business loan in 3-5 days! When it comes to hardware store financing, our team of seasoned loan consultants specialize in providing the trusted lending services you need to keep your business profitable and on track to achieve your goals.

At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Confidently approach manufacturers for best volume pricing when you have the capital available to make it happen.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable options to put our hardware store financing to work in your business:

Open another location

Storefront improvements

Invest in new technology

Consolidate/pay off more expensive debt

Purchase inventory in bulk

Buy out a business partner

Operational capital for slow, season periods

Pay your business taxes

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:

Completing an application only takes 10 minutes and won’t affect your credit.

Client Rewards up to $10,000!

For a limited time, we’re going big and rewarding our clients with up to $10,000 cash back. The more you borrow the bigger the reward. For every $100,000 you borrow, we have a $1,000 Amex Gift Card just for you!*

*Receipt of the Amex Gift Card(s) promotion is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $100,000 within 30 days of completed application to receive a $1,000 gift card, plus another $1,000 gift card for every additional $100,000 borrowed up to a maximum of $10,000 in gift cards. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One promotion per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Loan Program Advantages

Access loan amounts from $5,000 to $1,000,000

No collateral required on amounts up to $500,000 for single entity and $750,000 for multiple entities

Fixed repayment terms up to 36 months

Fast approvals and fundings in less than a week

Interest-only options are available to well qualified borrowers

Ability to defer up to 50% of your loan principal for the lowest payments now

All loans come with optional line of credit with access to 5 loan drafts for 6 months

Interest is tax-deductible, further lowering your cost of funds

Early payoff options are available

It Pays To Be Prepared

Hardware store owners know their big box competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and/or issues arise. ARF Financial will help you be ready for the unexpected  with an unsecured loan or line of credit from $5K to $750K to use for any business situation. With a line of credit, you only pay for what you use and the interest paid is tax deductible, further lowering your cost of funds. Our financing gives you the flexibility to borrow what you need exactly when you need it.

Renovate Or Remodel

Any hardware business owner knows how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed remodels or renovations. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

Minimum Qualifications

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Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.

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Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.

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Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).

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Annual Sales

Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.

How to Qualify for a Hardware Store Loan

If you are a hardware store owner looking for a a business loan or line of credit with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process

Types of Hardware Store Financing

ARF Financial gives hardware store owners the ability to choose from many business financing options that best fit their specific needs; based on their business model, operations and cash flow situation. With different types of loans and lines of credit, our local loan consultants will help you determine which product will fit your circumstances while saving you the most money.

Hardware Store Working Capital

Consistent access to working capital is essential to hardware store owners. This has held true for every hardware store owner we have worked with since 2001. Working capital loans help hardware stores finance their every-day business operations without the hidden fees and payment surprises of a merchant cash advance. Our working capital loans are the better choice for hardware stores having fixed terms so your payments will never fluctuate, and the interest is tax deductible further lowering your cost of funds.

Hardware Store Line of Credit

A line of credit is an approved loan amount extended to hardware store owners allowing them to draw upon when the need arises. This type of hardware store financing gives owners the flexibility to pull funds from their line as needed and only pay interest on the money they take. They can access up to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Hardware store owners know that business conditions can change quickly. Unexpected issues arise. Windows of opportunity open. Thousands of hardware store owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Hardware Store Flex Pay Loan

Flex Pay loans are perfect hardware stores because they allow you to borrow now and pay later. Simply put, you can borrow what you need now, invest in your hardware store and you won’t have to begin making payments until your project is completed! Flex Pay allows you to defer up to 50% of your loan’s principal into the future for more affordable payments now with the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need! Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Bridge Loans for Hardware Stores

Opportunities are plentiful right now for hardware stores. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution. ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources like an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate high returns. Small businesses like hardware store frequently see the chance for extreme growth, but are often on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities.

SBA Loans for Hardware Stores

These loans are notoriously difficult to get approved. And if they are approved, the underwriting process can take three to four months before a final decision is made and the loan is funded. ARF Financial can get you approved for hardware store financing in 24-48 hours, and your loan can fund in 3-5 days. If you are in the process of applying for a SBA loan and urgently need to take advantage of a business opportunity, our Bride Loan is the perfect tool to help you capitalize on growth opportunities while waiting on your SBA approval.

Merchant Cash Advance for Hardware Stores

ARF Financial is not a cash advance company. We offer true bank loans with fixed terms up to 36 months, affordable payments and minimal documentation. This means funds can be available quickly without the long wait of a traditional bank loan. While a cash advance help hardware store owners with quick cash, this alternative form of financing has a different repayment structure which is based on the store’s daily credit card receipts. This means, if the store’s sales increases then the daily payment to the merchant cash advance company also increases escalating the interest rate while ensuring the cash advance company is paid sooner. Unlike a cash advance, hardware store financing from ARF Financial has fixed payments allowing them to keep the additional profit generated from their hard work!

If you are a hardware store owner looking for financing for your business, we can help you get a business loan fast without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Hardware store owners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact our local loan consultants or apply below to get started now.

Business Loan Calculator

Use our Loan Calculator to determine the potential loan amount your hardware store may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Calculate Your Loan Amount

Use the sliders below to indicate your annual sales, time in business and credit score.
Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month
Loan amounts may be increased with the review of tax returns and financials. Time in business – must be operating under the same ownership and concept. Homeownership – home must be in your name. Bankruptcy – includes personal and business bankruptcy.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.
Terms and Conditions

ARF Financial LLC is an exclusive third party originator of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

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Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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