Gas Station Loans
Gas station loans finance properties that combine real estate with an operating retail fuel business.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Gas Station Financing
Gas station loans finance properties that combine real estate with an operating retail fuel business. Lenders who underwrite this type of loan look at the value of the building along with practical indicators:
- Fuel sales
- In-store revenue
- Equipment
- Environmental Factors
- Location
You can use this financing to acquire, refinance, expand, or upgrade a gas station. The loan can also be structured to cover both the real estate and business-related improvements.
We fund gas station loans in the $2M to $10M+ range here at Private Capital Investors.
Loan Amount: $2 Million to $10 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
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New Cuyama, CA | $1,500,000
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Westwego, LA | $21,000,000
Light Industrial Warehouse
Dallas, TX | $7,500,000
A Closer Look at the Landscape
Types of Gas Station Properties
The fuel retail industry is far from “one size fits all.” From streamlined automated kiosks to massive highway hubs, gas station properties vary significantly in their operational complexity and revenue potential.
Full-service stations with repair or additional services.
Convenience store and fuel combinations.
Self-service stations.
Larger travel centers that generate higher revenue through food service and extended amenities.
Where You Can Use Gas Station Loans
Uses of Gas Station Financing
Securing the right capital is the engine that drives your business forward. Whether you are looking to enter the market or upgrade an existing site, our specialized gas station financing is designed to meet the unique demands of the fuel retail industry.
Purchase an existing station with established cash flow.
Refinance current debt to access equity.
Adding pumps and fuel storage.
Growing the convenience store.
Renovations include updating forecourts, improving traffic flow, upgrading lighting, and canopy structures.
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Industrial Loans
Healthcare Loans
Apartment Loans
Funeral Home Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
Office Loans
Medical Office Loans
Veterinary Office Loans
Hotel Loans
Auto Repair Loans
Restaurant Loans
Trusted CRE Loan Lender
Why Choose Private
Capital Investors?
When traditional banks see obstacles, we see opportunities. Private Capital Investors specializes in providing flexible financing solutions for gas station owners who don’t fit the rigid “cookie-cutter” lending criteria of institutional banks.
We understand that the fuel industry is complex, often involving intricate property conditions like older storage tanks, pending environmental reports, or a history of site remediation.
While conventional lenders may shy away from these risks, we take a pragmatic approach, focusing on the underlying value and potential of the asset rather than just its past paperwork.
Rates start from 5.99%
Nationwide Lending
Fast Closings
No Fluff, Direct Decision Making
Excellent Customer Service
Common Sense Underwriting
Featured Loan Programs for Gas Station Loans
Frequently Asked Questions
Can gas station loans include convenience store improvements?
Yes. Financing can be structured to include both fuel operations and retail upgrades, including expansions and interior improvements.
How do lenders evaluate gas station loan applications?
They will review the value of the property itself along with its location, and then look at revenue drivers indicators, including fuel volume and in-store sales, along with equipment condition and environmental factors.
Is inventory financing available with gas station loans?
Yes, inventory may be included in some cases. This working capital component can also be structured separately.
What documents are required?
Most lenders will ask to see purchase agreements and financials. Prepare your fuel sales reports and details on operations and equipment. Submit rent rolls (if applicable).
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com