Industry Financing
Gas Station & Convenience Store Financing
Acquisition loans, equipment financing, and working capital for gas station and convenience store owners.
Check Your Eligibility →Funding Amount
$100K – $10M
Typical Terms
5–25 years
Rates Starting At
5.75%
What We Finance
Gas stations and C-stores are among the highest-volume small businesses in America, generating millions in annual revenue. They are excellent SBA candidates and strong collateral borrowers due to real estate, fuel assets, and high transaction volume.
- •Business acquisition: buy an existing gas station and C-store
- •SBA 7(a) and 504 for real estate ownership
- •Underground storage tank (UST) replacement and compliance financing
- •Canopy and dispenser upgrades
- •C-store remodel and equipment financing
- •Working capital for fuel inventory and purchasing
Business Types We Work With
- ✓Branded fuel stations (BP, Shell, Marathon, Valero)
- ✓Unbranded and independent stations
- ✓Truck stops and travel centers
- ✓C-store only (no fuel)
- ✓Car wash attached operations
Why Lenders Approve This Industry
Gas stations generate daily cash and card transactions with verifiable volume through fuel supplier records. Real estate ownership creates strong collateral. SBA has extensive lending history in this category.
Typical Qualification Requirements
- ✓1+ year operating history for refinancing; verified purchase contract for acquisition
- ✓660+ credit score
- ✓20–25% down payment for acquisitions
- ✓Environmental Phase I compliance (or clean Phase II) required by lenders
- ✓Fuel supply agreement documentation
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.