Gas Stations · C-Stores · SBA · Nationwide Specialist

Gas Station Loans —
We Know This Business Inside Out.

Gas station and convenience store financing requires specialized underwriting expertise that most lenders don't have. We've closed dozens of gas station deals — acquisitions, refinances, and SBA packages — and we know exactly what lenders need to say yes.

Apply Now → Call 510-786-8739

Why SI MTG for Gas Stations

The Gas Station Loan Specialists

Most mortgage brokers have never closed a gas station deal. We have closed dozens. That experience is the difference between an approval and a decline.

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Niche Underwriting Knowledge

We understand fuel margins, gallonage, inside sales, and environmental liability — and how lenders evaluate each.

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SBA Packaging Expertise

Gas station SBA applications require specific financial presentation. We know exactly how to package your deal for maximum approval odds.

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Lender Relationships

We have direct relationships with lenders who specialize in petroleum properties — not just generic commercial lenders.

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Environmental Navigation

Environmental issues are the #1 deal killer for gas stations. We help you navigate Phase 1/Phase 2 requirements and find lenders who can work with UST issues.

Loan Programs

Gas Station Financing Options

SBA 7(a) — Most Popular

Up to $5M. 10% down for business acquisition. 25-year term for real estate. Best for buyers who want to minimize down payment and maximize cash flow.

Up to $5M10% Down25-Yr TermBusiness + RE

SBA 504

Two-loan structure for real estate acquisition. Fixed rate on the SBA portion. Best for larger deals where lowest fixed rate is the priority.

Fixed Rate10% DownReal EstateEquipment

Conventional Commercial

For established operators with strong financials. 25-35% down. Better for borrowers who want to avoid SBA personal guarantee or have strong balance sheets.

No SBA Guarantee25-35% DownFaster Close

Bridge / Acquisition Financing

Need to close fast on a great deal? Bridge financing can close in 2-3 weeks while you arrange permanent financing. Interest only, 12-24 month terms.

Fast Close12-24 MoInterest Only

What We Evaluate

How Lenders Underwrite Gas Stations

Fuel Volume & Margins

Gallons per month, cents per gallon margin, brand/supply agreement quality. We help you present these numbers optimally.

Inside Sales (C-Store)

Gross revenue, margin, and EBITDA from convenience store operations. Lottery and ATM income factored in.

Real Estate Value

Land and canopy value separate from business value. Environmental condition critical to appraisal.

Brand / Franchise Agreement

Major brand (Chevron, Shell, Arco) vs unbranded. Remaining contract term affects lender appetite.

Environmental Status

Phase 1 required. Phase 2 if needed. UST status, leak history, and remediation status all reviewed.

Operator Experience

Existing operator vs first-time buyer. SBA requires industry experience or management plan for new operators.

Partner: Gas Station Solution

SI MTG works closely with Gas Station Solution to provide end-to-end support for gas station buyers — from finding the right deal to closing the financing.

Common Questions

Gas Station Loan FAQs

Do I need gas station experience to get financing?

For SBA loans, lenders prefer industry experience. First-time buyers can qualify with a strong management plan, relevant business experience, and sometimes a hired manager with industry background. We coach you through the experience requirements.

How does environmental contamination affect financing?

Environmental issues are the #1 deal killer. Active contamination usually prevents conventional financing. Some SBA lenders will work with properties under active remediation with an escrow holdback. A clean Phase 1 is always required.

What financials do I need to provide?

Typically 3 years of business tax returns, current year P&L, fuel volume reports, and a copy of the supply/brand agreement. For SBA, also personal financial statements and business plan.

Can I finance both the real estate and business together?

Yes — SBA 7(a) is the best vehicle for financing both real estate and business assets in a single loan. This is by far the most common structure for gas station acquisitions.

How long does a gas station loan take to close?

SBA loans typically take 60-90 days. Conventional commercial 45-60 days. Bridge financing 2-3 weeks. Environmental review often sets the timeline. We manage the process to keep things moving.

What is the minimum down payment for a gas station?

SBA 7(a): 10% down. SBA 504: 10% down. Conventional: 25-35% down. For first-time buyers with no industry experience, SBA lenders may require 20-30% down.

Ready to Buy or Refinance a Gas Station?

Tell us about your deal — location, asking price, fuel volume, and current financials. We'll tell you what programs fit and what you can expect to qualify for.

Submit Your Deal → Call 510-786-8739

CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Gas Station Financing Available Nationwide

Gas Station Loans —We Know This Business Inside Out.