Key features
- Acquisition and refinance structures
- Bridge options for time-sensitive or transitional scenarios
- Owner-user and investor structures evaluated separately
- Underwriting may consider real estate, business financials, environmental reports and operator experience
Who this is designed for
Gas-station and convenience-store operators, investors and buyers who need a lender comfortable with the specialized collateral and business model.
Property types and uses
Fuel stations, convenience stores with fuel, eligible owner-user real estate and investment properties. Environmental, franchise, fuel-supply and business documentation requirements vary.
Common questions
Are gas station loans harder than ordinary commercial loans?+
They can be more specialized because lenders may evaluate environmental risk, fuel agreements, business operations and real estate together.
Can a gas station purchase use bridge financing?+
Potentially, when the transaction is business-purpose and the lender is comfortable with the collateral, leverage and exit strategy.
Do lenders finance both the business and real estate?+
Some structures can address both, while others finance primarily the real estate. The purchase agreement and allocation matter.
Related financing
Tell us your scenario
CTC Equity compares your scenario across its lender network. Program availability, pricing, leverage and documentation requirements vary by lender, borrower and property.