
Lowe's Business is the business customer program of Lowe's Companies, Inc. (NYSE: LOW), headquartered in Mooresville, North Carolina. It provides commercial account management, Lowe's Business Advantage credit products, bulk purchasing, and procurement services for contractors, property managers, government entities, and institutional buyers.
Parent Company
Founded
2010
Status
Publicly Traded
| Brand | Parent Company | Ownership Type |
|---|---|---|
| Lowe's Business | Lowe's Companies, Inc. | Wholly owned |
Lowe's commercial account programs date to its early contractor services, formalized into structured business credit offerings (Lowe's Business Advantage and related credit products underwritten through banking partners) and dedicated business account management through the 2010s. The program serves customers ranging from small contractors through large institutional buyers including government and education sector procurement.
Under Marvin Ellison's pro-market strategy, business account programs became integrated with the Lowe's Pro services and MVPs Pro Rewards loyalty program, creating a layered commercial relationship infrastructure alongside the store network.
Lowe's reported FY2025 sales of $86.3 billion for the fiscal year ended January 30, 2026, with positive comparable sales of 0.2%. Net earnings were $6.65 billion, or $11.85 per diluted share. Adjusted diluted earnings per share reached $12.28, up 2.4% year-over-year. Operating margin was 11.8%, and adjusted operating margin was 12.1%. The company generated $7.7 billion in free cash flow and returned $2.6 billion in dividends to shareholders.
In Q4 2025, Lowe's reported sales of $20.6 billion, up from $18.6 billion in the prior-year quarter, with comparable sales growth of 1.3%. Q4 net earnings were $1.0 billion, or $1.78 per diluted share. The quarter included $149 million in pre-tax expenses related to the Foundation Building Materials and Artisan Design Group acquisitions. Adjusted Q4 diluted EPS was $1.98, up 2.6% year-over-year.
For FY2026, Lowe's provided outlook for total sales of $92.0 to $94.0 billion, representing approximately 7% to 9% growth, with comparable sales expected to be flat to up 2%. The company guided adjusted diluted EPS of $12.25 to $12.75 and capital expenditures of approximately $2.5 billion.
Business credit operations operate under standard commercial lending compliance and Lowe's responsible business practices policies. Account data management follows corporate privacy standards.
Lowe's commercial account programs rank alongside the retailer's industry standing, with Business Advantage recognized as a competitive contractor financing option.
Credit Terms Changes: Periodic adjustments to credit limits, terms, and promotional financing generate standard customer complaints consistent with credit program management.
Account Service Issues: Business account disputes over billing and returns follow patterns common to commercial retail programs.
These competing brands operate in the same categories and provide similar products or services. Compare key attributes to understand market positioning and competitive landscape.
| Brand | Parent Company | Country | Founded | Market Position | Primary Market | Gender Target |
|---|---|---|---|---|---|---|
| Avnet | USA | 1921 | Mass market | Global | All Genders | |
| Home Depot | USA | 2015 | Market leader | United states | Business | |
| Lowes | USA (Lowe's Companies) | 2014 | Growth segment | United states | Business |
Technology SoftwareOwned by Avnet, Inc.
American electronic component distribution brand founded in 1921, serving manufacturers worldwide as the flagship of Avnet, Inc.
Retail EcommerceOwned by The Home Depot Inc.
The Home Depot's business-to-business maintenance, repair, and operations (MRO) distribution brand, rebuilt through the $8 billion HD Supply reacquisition in 2020, serving multifamily, hospitality, healthcare, and institutional customers.
Retail EcommerceOwned by Lowe's Companies, Inc.
Lowe's professional contractor services program providing dedicated account support, bulk pricing, jobsite delivery, and Pro-focused services across its store network.
Market Positioning: Lowe's Business competes with 3 brands in the same categories, ranging from mass market to luxury positioning.
Geographic Distribution: Competitors are headquartered across multiple regions, indicating global competition in this market segment.
Brand Heritage: Competitor brands range from established heritage brands to newer market entrants, with founding years spanning several decades.
Looking for brands with different ownership structures? These similar brands are not owned by Lowe's Companies, Inc., giving you alternative choices that support different corporate structures.
Retail EcommerceOwned by Joann Inc.
American fabric and craft supplies retailer offering sewing, quilting, and DIY materials and supplies.
Joann is privately owned, unlike Lowe's Business which is under a publicly traded parent company.
Retail EcommerceOwned by Publix Super Markets, Inc.
Employee-owned southeastern U.S. supermarket chain founded in 1930, operating more than 1,400 stores and famous for its Pub Sub deli sandwich.
Publix is privately owned, unlike Lowe's Business which is under a publicly traded parent company.
Retail EcommerceOwned by ALDI SÜD
American grocery retail brand known for specialty foods and private-label products owned by Aldi.
Trader Joe's is privately owned, unlike Lowe's Business which is under a publicly traded parent company.
Retail EcommerceOwned by Albertsons Companies, Inc.
The flagship grocery banner of Albertsons Companies, operating supermarkets across the Western and Southwestern United States.
Albertsons operates independently without a large parent corporation.
Retail EcommerceOwned by Amazon.com Inc.
American e-commerce marketplace launched in 1995 by Jeff Bezos. The flagship retail brand of Amazon.com Inc. and the largest online retailer in the United States.
Amazon operates independently without a large parent corporation.
Retail EcommerceOwned by Best Buy Co., Inc.
American consumer electronics retail brand owned by Best Buy Co., Inc., the largest consumer electronics retailer in the United States with over 1,000 stores across North America.
Best Buy operates independently without a large parent corporation.
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