SBA Funding for Gas Stations and Convenience Stores
Acquire a gas station franchise, rebrand with new equipment, or expand with a car wash. SBA 7(a) loans provide competitive rates and long terms for c-store operations of all sizes.
Estimate Your Payment
$1,000,000
Estimated Monthly Payment
$8,737
At 9.50% (Prime + 2.75%)
How Gas Stations & Convenience Stores Use SBA 7(a) Loans
Station Acquisition
Buy an existing gas station or convenience store with established cash flow and brand recognition
$500K – $3M
Rebranding & Renovation
Rebrand from independent to major brand, upgrade pumps, POS systems, store buildout, and canopy improvements
$200K – $1M
Car Wash Addition
Add automated or full-service car wash facility to increase customer lifetime value and recurring revenue
$150K – $500K
Why SBA 7(a) for Gas Stations & Convenience Stores?
Franchise-friendly — SBA 7(a) supports most major brands and independent operators
Long 25-year terms available for real estate — keep margins tight, boost profitability
Lower interest rates than conventional loans — typically 1-2% below market
Up to 90% financing available for acquisitions with proven cash flow
Equipment financing bundled with real estate in single loan structure
Flexible use of funds — improvements, equipment, working capital, and debt payoff all permitted
Gas Stations & Convenience Stores SBA Loan FAQ
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