Financing Options
Finance your gas station acquisition with confidence
We've partnered with lenders who specialize in fuel retail. Compare SBA 7(a) programs, conventional loans, and equipment financing — and run the numbers with our calculators.
Preferred Lending Partners
These lenders understand fuel retail — gas station operations, fuel supply agreements, environmental considerations, and branded vs. unbranded dynamics.
Live Oak Bank
SBA 7(a) Preferred Lender
Specializes in SBA loans for gas stations, c-stores, and truck stops. Offers up to $5M with 25-year amortization and competitive variable rates.
- SBA Preferred PLP
- Up to $5M
- 25-year amortization
- No prepayment penalty after 3 yrs
NewtekOne
SBA 7(a) & Conventional
Non-bank SBA lender with deep experience financing fuel retail operations including branded and unbranded stations, with fast application processing.
- SBA 7(a) & 504
- Up to $5M
- Branded & unbranded
- Streamlined application
Pinnacle Bank
Conventional Fuel Retail Lender
Conventional commercial loans tailored to established gas station operators seeking acquisition, refinance, or construction financing.
- Conventional loans
- Owner-occupied & investment
- Construction financing
- Relationship banking
Hana Financial
Equipment & Working Capital
Equipment financing and working capital for fuel station buyers — tank upgrades, pump replacements, POS systems, and canopy renovations.
- Equipment financing
- Working capital
- Fast approval
- Flexible terms
SBA 7(a) & Loan Programs
SBA-backed loans are the most common financing path for gas station acquisitions. Here's how the programs compare.
SBA 7(a) Loan Program
The most common SBA loan for gas station acquisitions — up to $5 million for purchasing real estate, equipment, and business goodwill combined in a single loan.
- Maximum loan amount: $5,000,000
- Up to 25-year amortization on real estate
- 10-year term on equipment and business assets
- Variable or fixed interest rates (prime + markup)
- 10% minimum down payment typical
SBA 504 Loan Program
For owner-occupied station purchases focused on real estate and major equipment — combines a bank loan with SBA-backed debenture for below-market fixed rates.
- Finances land, building, and equipment
- 20-year fixed-rate debenture portion
- Minimum 10% borrower equity injection
- Owner-occupancy required (51%+)
- Ideal for ground-up station builds or major renovations
SBA Express Loan
Smaller, faster loans up to $500K for buyers needing quick bridge financing, working capital, or smaller station acquisitions with expedited approval.
- Maximum loan amount: $500,000
- 36-hour approval turnaround
- Revolving line of credit or term loan
- Lower documentation requirements
- Great for inventory and working capital at closing
Loan Calculators
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Loan Payment Calculator
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Down Payment Calculator
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What Lenders Look For
Debt Service Coverage
Most lenders require a minimum 1.25x DSCR — your NOI must comfortably cover annual debt service.
Fuel Volume History
2–3 years of monthly gallon data and fuel margins to verify revenue stability and brand supply agreements.
Environmental Reports
Phase I ESA at minimum, with clean tank records and any NFA letters on file for the property.
Buyer Experience
Operators with fuel retail or c-store management experience qualify more easily and at better terms.
Found a listing you want to finance?
Browse active gas station and c-store listings with verified financials — then connect with a preferred lender.