Ace Hardware Franchise Cost, Revenue & Review 2026
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
FranchiseVerdict summary · 2026
A Ace Hardware franchise does not disclose total investment in its current FDD. The latest FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 13.4% charge-off rate across 863 loans[1]. Verdict grade: B. Run a live ROI scan →
Data last verified
Overview
- SBA loans
- 863
- Loan volume
- $578.7M
- Charge-off rate
- 13.4%
- system-wide median varies by category
- Avg loan
- $671K
- Lenders
- 238
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 863
- Loan volume
- $578.7M
- Median loan
- $450K
- 50th percentile
- Charge-off rate
- 13.4%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 86.6%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 238
- Defaults
- 77
Vintage analysis
Ace Hardware charge-off rate by loan vintage
Explore lender portfolios on Bank Reports or regional data on State Reports.
Risk analysis
FranchiseVerdict rating · based on SBA data
Risk & Legal
Frequently asked questions
Frequently Asked Questions
What do Ace Hardware franchise owners earn?
Ace Hardware does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Ace Hardware's franchise failure rate?
Based on SBA 7(a) loan data, Ace Hardware has a charge-off rate of 13.4% across 863 loans, meaning 13.4% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
Is Ace Hardware a good franchise to buy?
FranchiseVerdict rates Ace Hardware as a B-grade franchise with a risk score of 62 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.