Gas stations and convenience stores run on thin fuel margins and steady in-store sales — and both demand cash up front for inventory. Gas station loans keep your pumps flowing and your shelves stocked, and fund the upgrades that turn more traffic into profit.
What station owners fund
- Fuel & inventory — cover fuel deliveries and c-store stock.
- Equipment — pumps, coolers, POS, car wash and food-service gear.
- Remodels & canopy — modernize to attract more customers.
- Acquisition — buy a station or add another location.
- Working capital — payroll, utilities and operations.
Funding options
Working capital for fuel, inventory and operations — no minimum credit score on many programs. Equipment financing for pumps and coolers. SBA & term loans for acquisition and remodels.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do gas stations get funding?
Working capital for fuel and inventory, equipment financing for pumps and coolers, and term loans for remodels or acquisition.
Can I get funding to buy a station?
Yes — SBA and term loans are common for acquisition; revenue-based options cover operations.
How fast is funding?
Working capital can fund the same or next business day.