Gas station loans, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.

$
Applying is free and won't impact your credit*
$250K gas station loan approved!

Reviews from gas station owners.

Business owners love that Lendio helps them get funding without the headaches.

Proven gas station lending expertise.

Get the answers and the funding you need with support all along the way.

$15 million

in small business funding facilitated in the last decade.

4.8 stars

21,000 Trustpilot® reviews.
50% repeat customers.

75+ lenders

providing broad coverage for small business lending.

Four simple steps to gas station funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Quickly estimate your funding options.
Time In Business
0 - 6 Months
6 - 12 Months
1 - 3 Years
3+ Years
Monthly revenue
Industry
Credit Score
Business type
Legal partnership
LLC
Corporation
Sole proprietor
Congrats--it looks like you qualify.*

Based on your business information you could qualify for up to $ 52,000 in funding

Funding amount *

$ 36,000 - $ 52,000

*Amount is an estimate only using the information provided Businesses like yours typically receive offers like these.
Compare your funding options today.
Apply now

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How much can I qualify for?

Not sure what you need or what funding options are best for you? Use our simple calculator to get a rough idea of your options with no commitment, and apply when you’re ready.

Lendio knows the gas station business.

Gas stations are ubiquitous across the country and for good reason–they are essential to our modern economic infrastructure and provide profitable business opportunities in both the smallest towns and the largest cities.

Although gas stations can be a very lucrative, recession-proof enterprise, they are also expensive to acquire, renovate, and/or expand. That’s why it’s essential to understand the different financing options available to you.

Whether you’re looking to add a location, expand your interior offerings, or better manage cash flow, gas station loans through Lendio can help. We know how the industry operates and can help you through the application and financing selection process.

Bridge supply price fluctuations

Purchase inventory, fuel, and equipment

Refinance existing debt

Pay your staff

Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other gas station-based businesses qualify for through Lendio.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

Business Credit Card

Cover everyday expenses with revolving credit and earn rewards for your spending.

Revenue-Based Financing

Access funding based on your future revenue and repay with regular payments.

What types of business loans are available to gas station businesses?

Revenue-based financing

Your gas station likely has an ongoing stream of revenue each and every day. If so, one financing option is revenue-based financing (also called a cash advance). You receive upfront funding that is repaid through a percentage of your daily sales.

Term Length
1-15 months
Max Loan Amount
$1 million

Term loan

Term loans for a gas station offer a fixed payment structure, so you know exactly how much you’ll pay and for how long. Online term loans are fast and easy to apply for.

Term Length
6 months-25 years
Max Loan Amount
$750,000

Line of credit

Another financing option for gas stations and convenience stores is a line of credit. This gives you ongoing access to credit that you can tap into when you need it. As you repay your balance, your credit line is replenished to be used on other needs.


Term Length
6-24 months
Max Loan Amount
Up to $250,000

FAQs

Find answers to some commonly asked questions in the gas station industry.

What is a gas station loan?

A gas station loan is a small business loan that can help you finance a challenge or opportunity you face in the industry. This can include temporarily increasing your cash flow to help pay unforeseen expenses, purchasing new equipment to improve an area of the business, or providing the means to support an expansion process. The options are endless.


Gas station owners can apply for multiple types of business loans to help finance their operations. Terms and repayment structures will vary based on a number of factors, such as the business loan type, your business history, credit score, and, of course, the state of the market at the time.

What are the requirements to get a gas station loan?

Securing a loan for a gas station, like any other business loan, requires meeting specific criteria set by financial institutions. These criteria help lenders assess the risk and viability of the investment. Regardless of which institution, it is proper to prepare the following information before seeking a loan:

  • Personal identification
  • Your employer identification number (EIN)
  • Business licenses
  • Tax returns
  • Bank statements
  • Financial projections
  • Articles of incorporation
  • Your business plan

In order to apply for business financing with Lendio, you’ll need to meet the following minimum requirements:

  • Time in business of at least two years
  • $8,000 or more in monthly revenue
  • Minimum credit score of 680
Is getting a loan for a gas station difficult?

Acquiring a loan for a gas station can present certain challenges, mainly due to the specific nature and perceived risks associated with the industry. However, the difficulty level can vary based on several factors, ranging from the applicant’s credentials to the current state of the economy.

Gas stations are also sometimes seen as high-risk investments by traditional banks due to fluctuating oil prices, environmental concerns, and the high costs associated with property maintenance and upgrades.

However, there are steps and strategies that can enhance your chances of securing a loan. Demonstrating a well-thought-out business plan with clear market analysis, financial projections, and a robust operational strategy can significantly influence a lender’s decision. Additionally, a strong personal and business credit score, a history of positive cash flow, and a clear record of managing debts responsibly can bolster your application.

What are the benefits of a lending marketplace?

A lending marketplace like Lendio connects you with a network of lenders through a single, 15-minute application. It also provides a funding manager to support and guide you as you apply and navigate the funding process.

Ready for funding?

See what you can qualify for on the Lendio Marketplace.