Convenience Store & Gas Station Loans.
Finance your c-store purchase, gas station acquisition, or NNN investment. SBA for owner-operators, DSCR for investors, and specialized petroleum lending options.
What Type of C-Store Are You Financing?
Convenience stores and gas stations span from single-pump rural stations to branded NNN investments leased to national chains.
Loan Options for C-Stores & Gas Stations
Environmental compliance and fuel brand agreements add complexity. The right lender makes all the difference.
Covers real estate, UST replacement, canopy, POS systems, and cooler equipment. Environmental clearance required before closing.
Combine business acquisition, real estate, equipment, initial fuel/merchandise inventory, and working capital in one loan.
For investors buying NNN c-store properties. National brand tenants (7-Eleven, Circle K) provide credit-quality lease income.
Lenders who specialize in petroleum properties and understand UST compliance, environmental insurance, and fuel brand agreements.
Environmental Compliance for Gas Stations
Underground storage tanks (USTs) are the #1 factor in gas station lending. Every lender requires environmental clearance.
How C-Store Financing Works
Share Your Deal
Property details, fuel brand, pump count, UST age, store sqft, monthly fuel gallons, and in-store revenue. Include any environmental reports you have.
Submit to BestLoanUSA
Single application with business financials and property details. No hard credit pull at this stage.
Advisor Review
Dedicated advisor evaluates environmental status, fuel brand agreements, revenue mix, and your experience to recommend the optimal financing path.
Lender Matching
We submit to c-store and petroleum-experienced lenders. You receive competing term sheets.
Environmental + Appraisal
Phase I and Phase II environmental, plus special-purpose appraisal. Clean environmental is the #1 milestone for loan approval.
Close & Operate
SBA: 60–90 days. Conventional: 30–45 days. Petroleum lenders: 30–45 days. Fuel brand transfer may add time.
Ready to Finance Your C-Store or Gas Station?
No credit pull. No commitment. See what financing options are available.
Frequently Asked Questions
Underground storage tanks (USTs) create environmental liability that most lenders want thoroughly evaluated. Phase I and Phase II environmental assessments are virtually always required. Tank age, compliance history, and soil/groundwater testing results directly impact loan approval, terms, and available LTV.
Yes. SBA 504 and 7(a) are the most common paths for owner-operators. SBA 504 covers the real estate at 10% down with a fixed rate. SBA 7(a) can combine the business, real estate, equipment, and inventory up to $5M. Environmental clearance is required before SBA closing.
Major fuel brands (Shell, BP, Chevron, ExxonMobil) have supply agreements that may include image standards, equipment requirements, and territory restrictions. Some brands offer dealer financing programs. Branded stations generally get better lending terms than unbranded due to the supply agreement’s stabilizing effect on revenue.
NNN gas stations leased to national brands (7-Eleven, Circle K, Wawa) are among the most bankable NNN investments. Long lease terms (10–20 years), credit tenants, and essential-service nature make them recession-resistant. Cap rates typically 4.5–7%. Environmental liability transfers to the tenant under NNN structure.
Replacing underground storage tanks costs $200K–$500K+ per tank system including removal, soil remediation (if contaminated), new tanks, and canopy/dispenser upgrades. This cost can be rolled into SBA 504 financing. Some states have UST cleanup funds that offset remediation costs.
Lenders look at monthly fuel gallons (50K+ preferred), in-store revenue per sqft, inside gross margins (typically 30–40%), fuel margin per gallon ($0.15–0.30), and total site EBITDA. The in-store operation often determines profitability since fuel margins are thin.
