Hardware Store Business Loans

Loans and Financing Options for Hardware Stores

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Types of Hardware Store Business Loans

Small Business Loans icon

Small Business Loans

Get the cash you need for everyday inventory, payroll and more.

$5,000 to $500,000

Equipment Financing and Leasing icon

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 costs that may arise. From hiring new staff to upgrading technology systems to managing your inventory stock, there are many different costs that can add up for hardware store owners. Consider hardware store business loans to cover your everyday working capital needs.

Purchase Inventory Stock icon

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 icon

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 icon

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 icon

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.
How to Apply steps

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 Funding Specialists to learn more about our business loans.

We Know Hardware Stores

We Know Hardware Stores

Experience supporting hardware store business owners

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Types 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 Funding 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.

Working Capital Loans

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.

Unsecured Business Loans

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.

Business Loans for Women

Business Loans for Women

National Funding is proud to help women-owned businesses get the funding they need to thrive. Women-owned businesses in the United States continue to grow in numbers. Yet, female business owners are less likely to be approved for funding compared to men. We want to help change that. That’s why we offer funding solutions designed for women-owned businesses.

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

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.

How to Display Product Inventory in Your Small Business

Common Tax Mistakes That Could Cost Your Hardware Store

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.


Trustpilot rates 4.5 out of 5

Based on 1,752 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.