Convenience Arranging Financing Loans
on Gas Station C-Store C&G Operations

At MFI we offer quick and easy gas station financing - convenience c-store loans. No Income or Asset verification or Full Doc available. As a leading provider of conventional and SBA - Small Business Administration commercial loans on gas station - convenience c-store financing, we understand the unique problems and environmental aspects of obtaining a lender for funding this type property.

No Income / Asset Verification or SBA

Quick Commercial Application | Commercial Quote Request  |  Payment Calculator

Get Bid / Offer  |  Other Business Property Types

You may already know that financing a loan for a convenience c-store and 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 high failure rate on these commercial properties. This is a cash business. Many owners 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 financing of c-store gas station loans 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.

Should you be using commercial loans for financing the purchase of a c-store convenience gas station? 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 at least $80,000 gallons per month in sales and inside sales of about $50,000. Fuel sales should pay your monthly payment and more. Lenders will look at your experience in the industry. If you have little or none but have a partner available that you can trust and has the experience that could help obtaining an approval.

What you really need to know is that we're able to get deals closed in the C&G industry. We specialize in C&G commercial real estate across the U.S. We professionally find the best finance 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 commercial generally has lower costs and interest rates than SBA and other types of lending. However, it can be more difficult to qualify for conventional as the amortization period is 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 - $10,000,000 ( possible 2nd mortgage with SBA )
  • Usually 25 years
  • Loan value usually 70 - 90% Seller carry back permitted.

SBA 504 Program

  • To refinance or purchase.
  • For expansion or remodeling
  • For leasehold improvements
  • For equipment 
  • Amounts $300,000 - $2,000,000
  • Usually 20 years (real estate) and 10 years (equipment)
  • Loan value usually 70 - 80% (maximum)

 

   Quick Gas Station Convenience C-Store Loan Application

   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 and Campground   Self Mini Storage
Mobile Home Park                     Restaurant                      RV Park Campground               Self Mini Storage

Maximum Financial Inc.
Commercial Lending Division
36 Cartier Ct.
Dillon, CO 80435

970-513-8062
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970-513-8062

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Funding commercial financing on gas station with convenience c-stores is available with no income or asset verification.

970-513-8062