Ready To Move Your Business Forward?
Types of Hardware Store Business Loans
Hardware Store Business Loans
Get the cash you need for everyday inventory, payroll and more.
$5,000 to $500,000
Equipment Financing
and Leasing
Purchase or lease equipment for your hardware or home improvement store.
Up to $150,000
How Hardware Store Business Loans Can Help You
When you are running a hardware store, it is important that you have access to capital when you need it for all the types of extra costs which may arise. From hiring new staff, to upgrading technology systems to manage your inventory stock, there are many different costs which can add up for hardware store owners. Consider hardware store business financing to cover your everyday working capital needs.
Purchase Inventory Stock
- Business loans for hardware stores allow you to replenish inventory quickly
- Use a working capital loan to purchase inventory while costs are low
Modernize Your Hardware Store
- Purchase technology upgrades to help you manage your inventory stock
- Upgrade your hardware store’s displays for your customers
Pay Everyday Expenses
- Cover the cost of recurring expenses like payroll, expenses, and materials
- Pay for your hardware business space rent, utilities and taxes to keep the lights on and water running
Expand Your Store to New Locations
- Expand your store to a larger location or open a second store in a new area with a business loan
- Bring on additional staff with extra working capital funds
How to Apply
How do hardware store business loans work? Applying for a hardware store business loan has never been easier.
"Very easy to do business with. I really didn't think I would get the funding. But they came through for me.”
– Ralph C.
Why National Funding?
When considering the needs of your hardware store, you want a lender who has worked with stores like yours before. At National Funding, we understand that securing financing for a hardware store can be difficult. As a store business owner, you sometimes have to wait for customers to pay for orders and for payments to clear. Hardware store business loans from National Funding don’t require lengthy paperwork. Speak with one of our friendly, knowledgeable loan specialists to learn more about our business loans.
We Know Hardware Stores
Experience supporting hardware store business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hours1Loan Specialists Who Care
Experienced Loan Specialists help you make the right decisionWorry-Free Lending
No collateral requirements, plus simple, automatic paymentsTypes of Loans Available for Hardware Stores
No matter what your hardware store’s needs are, we have a small business loan option that will work for you. Our Loan Specialists are happy to help you find the right loan for your hardware store. Simply apply online to see which option is best for you.

Business Loans for Bad Credit
We understand that sometimes you need funds to help improve your credit score and your business, and we are here to help you get the financing you need to get there. We believe bad credit shouldn’t affect your ability to receive financial solutions, so our Loan Specialists look at your business potential and alternative lending options in addition to credit.

Unsecured Business Loans
Traditional business loans sometimes require personal collateral. Our unsecured small business loan is uncollateralized, so that you can focus on the important aspects of your business without having to worry about losing your personal assets.

Working Capital Loans
A working capital loan allows you to have flexibility while maintaining business ownership by providing access to cash for immediate expenses. This means you can have cash-on-hand to help cover everyday business expenses when business is slow and money is tight, or even to expand your business.
Hardware Store Business Resources
A business loan is an investment in the growth of your hardware store — but securing financing is only a fraction of what it takes to manage your finances. We’ve put together a list of resources to give you the whole story on loans, taxes and managing the financial health of your store.

Inventory Financing – 4 Tips To Help You Get The Most From Your Loan
Every business that sells products must have inventory. Without it, you simply won’t make a profit. However, figuring out your inventory needs can be a challenge, and even more challenging is how to secure inventory financing when needed.

How to Display Product Inventory in Your Small Business
Learning how to display products effectively is key for small businesses flush with inventory. Many small business owners are looking for ways to refresh their interiors or remodel their stores. Your visual display is critical to purchasing decisions, according to iQmetrix, and buyers are less likely to purchase when shelves are scarce or displays look messy.

Common Tax Mistakes That Could Cost Your Hardware Store
Tax time is stressful for almost everyone, but as a small business owner you have a more complicated set of tax requirements to abide by than most. Navigating quarterly taxes and understanding the deductions available for your hardware store are difficult tasks. Prepare yourself by reviewing these common tax mistakes so you know what to avoid and don’t cost your store money come tax time.
Ratings & Reviews
We are very proud of what our customers are saying on TrustPilot.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.