AAC Independent, LLC
AAC Independent, LLC, located in Frederick, Maryland, operates in the hardware merchant wholesalers industry (NAICS 423710). The company was financed with an SBA 7(a) loan for a change of ownership in the amount of $3,179,000, approved on September 25, 2025, through ACNB Bank.
SBA 7(a) loan, change of ownership, approved Sep 25, 2025
$3,179,000 approvedLender: ACNB Bank10 years termStatus not reported (SBA exemption)Loan details
- Gross approval
- $3,179,000
- SBA-guaranteed amount
- $2,384,250 (75% of the approval)
- Lender
- ACNB Bank, Gettysburg, PA
- Processing method
- Standard 7(a): the lender submits the application for SBA review
- Initial interest rate
- 9.5%, variable
- Term
- 10 years (120 months)
- Estimated maturity
- September 25, 2035 (estimated, approval date plus term)
- Estimated monthly payment
- $41,135 Estimated payment at the initial rate over the full term; actual terms vary.
- First disbursement
- Dec 9, 2025
- Loan status
- Status not reported (SBA exemption)
- Jobs supported
- 11
- Business type
- Corporation
- NAICS
- 423710, Hardware Merchant Wholesalers
- Project location
- Frederick County, MD
- SBA district office
- Baltimore District Office
- Congressional district
- MD-06
- Collateral
- Yes
- Guaranteed portion sold on secondary market
- Yes
- Revolving line of credit
- No (term loan)
- Larger than 55% of acquisition loans in Hardware Merchant Wholesalers on this site.
- Average acquisition loan in Hardware Merchant Wholesalers: $2,843,818.
- Average acquisition loan in Maryland: $1,627,337.
Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.
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