Learn more

Gas Station & C-Store Financing

A fuel station is not an ordinary commercial building, and most lenders will not touch one. The underground storage tanks make it special-purpose property: the appraisal is different, the environmental work is mandatory, and a Phase I report — sometimes a Phase II — has to come back clean before anyone funds. We work with the lenders who actually do these, mostly through the SBA 7(a) and 504 programmes, where a station can be bought with a smaller down payment than a conventional bank would ever allow. Expect to put down more than you would on a plain retail building, and expect the environmental report to set your timeline.

Read the full guide to Gas Station & C-Store

• ●The property, the business, the fuel equipment and the c-store, in one loan
• ●SBA 7(a) to $5 million; SBA 504 for the real estate at a fixed rate
• ●A Phase I environmental report is required, and a Phase II if it finds anything
• ●Special-purpose property: expect 15–20% down rather than 10%
• ●Experience in fuel retail matters to these lenders more than it does elsewhere