Financing Gas Station Loans
for C-Store Operations

The process for gas station financing - c-store loans is more involved than many business due to environmental issues. Our knowledge base is extremely valuable to borrowers who need a quick and hassle free funding process. As a leading provider of conventional and SBA - Small Business Administration commercial loans on gas station c-store financing, we understand the unique problems and environmental aspects of obtaining a lender for funding this type property.

Funding Convenience Stores With Gas

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You may already know that financing a loan for a convenience store with gas station, referred to as C&G, isn't as easy as one might think. In fact, it can be quite difficult due to environmental issues, the amount of work it takes, and because of the failure rate on these commercial properties. This is largely a cash business so many owners can keep their reported income low. When it's time for a lender to analyze their numbers, the cash flow may not support the actual funding request. It's a fact that if you don't show adequate income and/or cash flow, conventional as well as SBA is tough to get approved when you want to buy or refinance these commercial real estate types.

We are able to place tens of millions of dollars every year to lenders that specialize in gas stations with or without convenience c-stores. We are experts in this field and know how to package the application file to make the lender want to say yes to the request!

Across the country, commercial lenders will often turn down requests for loans on convenience c-stores with gas station financing. Commercial lenders just do not want the higher environmental risks associated with these properties. Usually, the borrower's credit is acceptable and the C&G operation is profitable. Still, they just don't want to handle gas station convenience c-store commercial properties. Due to this one issue, many well qualified business people do not get the chance to purchase or refinance. Maximum Financial Inc. has the sources and the expertise and will work with you to close those loans for financing your gas station and / or convenience c-store that other lenders will decline.

How do you secure commercial loans for financing a c-store gas stations? First off you would need to see if the financials make it feasible. Is inventory included in the sale? What is the NOI or Net Operating Income? How many gallons of fuel are pumped per month? A reasonably successful operation should show good fuel sales volume per month and inside sales will naturally follow. Lenders will look at your experience in the industry.

What you really need to know is that we're able to get deals closed in the C&G industry. We are highly experienced in C&G commercial real estate across the U.S. We professionally find the best funding program for our clients' unique requirements. We work with a select number of lenders nationally to get the best rates and terms available.

Conventional Programs

To refinance or purchase a C&G property

For expansion or remodeling

Amounts $100,000 - $50,000,000 +

Typically 1-10 year fixed term with 15-30 year amortization

LTV usually 70 - 90%

Conventional programs generally have similar costs and interest rates as SBA and other types of lending. However, it can be more difficult to qualify for conventional as the amortization period is usually shorter and lenders often look for higher debt service coverage.

SBA 7a Program

To refinance existing or purchase.

For expansion or remodeling

Amounts $300,000 - $5,000,000

Usually 25 years

Loan value usually up to 90% (100% on some refi programs) Seller carry back permitted.

SBA 504 Program

To refinance or purchase.

For expansion or remodeling

For leasehold improvements

For equipment

Amounts $300,000 - $5,000,000+

Usually 20 years (real estate) and 10 years (on some equipment)

Loan value usually 70 - 90% (100% on some refi programs)

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   Apartment Building Multi-Family | Bed & Breakfast

Campground RV Park | Car Wash Carwash | Day Care | Land Development Construction | Motel Hotel

Mixed Use | Mobile Home Park | Office | Restaurant | SBA | Self-Mini Storage | Retail Center | Warehouse

Gas Station Convenience C-Store Financing Loan Application | Financing c-store gas station loans.


Mobile Home Park                     Restaurant                      RV Park Campground               Self Mini Storage
Commercial Funding MFI
36 Cartier Ct.
Dillon, CO 80435

970-406-8744