Keep your pumps flowing and your store stocked with fast, flexible financing, fund fuel inventory, equipment, store stock, and remodels without slowing down operations.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
4.8 / 5.0 Trustpilot Verified
Running a gas station and convenience store is one of the most capital-intensive, thin-margin businesses in retail. Unlike most service businesses, fuel and c-store operators carry heavy daily costs that never pause: fuel inventory, store stock, pumps and underground tanks, point-of-sale and compliance equipment, payroll, and rent all hit the books before sales are collected, while fuel prices swing constantly and tie up large amounts of working capital.
That timing gap creates a problem every station owner knows too well:
Gas station business loans solve the cash flow gap that sits between heavy operating costs and thin, high-volume revenue. At Committed to Capital, we specialize in financing solutions designed around how fuel and c-store operators actually operate: fast approvals, flexible use of funds, and underwriting that values revenue strength over credit perfection.
A gas station business loan is any form of small business financing used by a company that sells fuel, operates a convenience store, or both. It’s not a single product, it’s a category of funding options that includes Term Loans, Lines of Credit, Inventory Financing, Equipment Financing, SBA Loans, and Revenue-based advances.
The right gas station loan depends on three things:
Because stations tie up enormous amounts of cash in fuel and store inventory while running on thin margins, most operators don’t rely on a single financing product, they use a stack of solutions that match different needs at different points in the business cycle. We’ll help you figure out the right mix.
Gas station business loans provide capital to cover the unique costs of running a fuel and convenience operation, fuel inventory, store stock, pumps and tanks, equipment, labor, and the gap between buying inventory and collecting sales. Here’s how they typically work:
A lender reviews your revenue, time in business, credit profile, and daily sales (including fuel and store card volume) to determine loan size and terms. Once approved, funds are disbursed as a lump sum (term loan), a revolving credit line you draw from as needed, equipment financing tied directly to the pumps or systems you’re purchasing, or revenue-based capital repaid as a percentage of sales. You repay through fixed monthly installments, daily or weekly draws, or a share of sales, with interest calculated only on the amount used.
Station owners often use these loans to buy fuel and store inventory, finance pump and tank upgrades, fund remodels and added services, bridge cash flow during price swings, or acquire additional stations. The right loan structure depends on whether your need is one-time, ongoing, or asset-specific.
The right financing option depends on what your Gas Station needs the money for and how quickly you need access to capital. Here’s a side-by-side comparison of every funding product we offer Fuel & Convenience Store Operators.
The right financing depends on where you are in the station lifecycle.
Whether you’re buying your first station or adding another, capital is committed long before the pumps turn a profit. Real estate or lease, pumps and tanks, POS and compliance systems, store fixtures, and initial fuel and store inventory all need funding upfront. A term loan, SBA loan, or equipment financing puts that capital in place so you can acquire the station, upgrade the equipment, or stock the store without draining your reserves.
Day-to-day operations don’t pause between fuel deliveries. Payroll, store reorders, utilities, maintenance, and the next fuel load all run on a continuous cycle, often while cash is still tied up in inventory at the pump and on the shelves. A business line of credit gives you revolving access to working capital, so you can cover fuel deliveries, restock the store, and only pay interest on what you actually draw.
A strong location creates opportunity, but expansion takes capital before it pays off. Whether it’s remodeling the store, adding a car wash, building out food service or a QSR, upgrading to modern pumps, or acquiring a second station, growth financing lets you invest on your timeline instead of letting cash flow dictate how fast you can move.
Anything that keeps your station running or growing. The most common uses we fund:
A short-term loan delivers a lump sum quickly, usually within 24-48 hours, and is repaid over 3 to 24 months through daily or weekly automated payments. It’s the most common solution when an operator needs to cover a fuel delivery, restock the store, or handle an unexpected expense.
Best for: Fuel deliveries, store inventory restocks, emergency equipment repairs, bridging short payment gaps.
Long-term loans provide larger amounts (up to $2M) with extended repayment over 2 to 10 years. The longer term means lower monthly payments, making this ideal for significant capital projects that pay off over time.
Best for: Store remodels, car wash or food service build-outs, pump and canopy upgrades, refinancing high-cost debt.
Business Line of Credit gives you a pre-approved credit limit you can draw against as needed, and you only pay interest on what you use. Once you repay, the credit becomes available again. It’s the most flexible financing product available and works as a safety net for the fuel-price and cash flow swings every station faces.
Best for: Fuel and store inventory purchases, payroll smoothing, covering supplier invoices, recurring operating costs.
Equipment Financing lets you purchase or lease the fuel pumps, underground tanks, POS and compliance systems, refrigeration, and car wash equipment your station depends on, without tying up working capital. The equipment itself acts as collateral, which means easier approvals and competitive rates even for businesses with average credit.
Best for: Upgrading pumps and tanks, adding a car wash, modernizing POS, replacing refrigeration and store equipment.
SBA Loans (especially the SBA 7(a) and SBA 504) offer some of the lowest rates and longest terms available, backed partially by the U.S. Small Business Administration. The trade-off: they take longer to approve (30-90 days) and require strong documentation and credit.
Best for: Buying or acquiring a station, purchasing the real estate, funding a major remodel, or refinancing high-cost debt. The SBA 504 program is specifically designed for fixed assets like commercial property, pumps, and tanks.
Invoice Factoring lets you fund bulk fuel and store stock purchases without tying up working capital. This is especially useful when fuel prices climb or when buying store inventory in volume, freeing up cash that fuel loads would otherwise lock up.
Best for: Large fuel deliveries, bulk store inventory, capturing volume pricing, stocking ahead of high-demand periods.
Revenue-Based Financing provides fast capital in exchange for a fixed percentage of future sales. There’s no fixed term, you repay as you sell. Approval is fast and credit requirements are lenient, making this a realistic option for stations with poor credit or short time in business.
Best for: Speed-critical situations, stations that can’t qualify for traditional loans, owners with strong sales but weak credit.
Cover upfront costs for fuel deliveries and bridge the gap until sales come in at the pump.
Keep the convenience store fully stocked and capture supplier volume discounts.
Upgrade, repair, or replace fuel pumps, dispensers, and underground tanks to protect uptime.
Add or upgrade POS, compliance, refrigeration, and car wash systems without draining capital.
Fund store remodels, canopy upgrades, food service, and car wash additions.
Support payroll, hiring, and training for cashiers and station staff.
Acquire another station or expand your footprint into new locations.
Invest in loyalty programs, fuel pricing tools, and store technology that drive traffic and sales.
We work with fuel and convenience operators across every model:
Don’t see your model? We’ve likely funded it. Talk to a specialist.
Banks may offer lower rates on paper, but their approval process is built for businesses that don’t actually need the money. Here’s how we compare:
Qualification varies by product, but here’s what most of our gas station clients need to qualify:
What Gas Station Owners Are Saying About Us
A guided process that respects your time. No faxing, no surprise documentation requests.
Share basic information about your station. No long forms or heavy paperwork.
We quickly review your information and deliver clear funding options, often within hours.
Once approved, funds are deposited into your account the same day.
As your business grows, additional funding and refinancing options are available when you need them.
A gas station business loan is financing used by fuel and convenience store operators to cover costs like fuel inventory, store stock, pumps and tanks, equipment, remodels, and acquisitions. It’s a category that includes term loans, lines of credit, equipment financing, inventory financing, SBA loans, and merchant cash advances, each suited to different needs and timelines.
Many of our clients are funded in as little as 24 hours. Short-term loans, lines of credit, inventory financing, and merchant cash advances can fund same-day or within 48 hours, while SBA loans take longer (30-90 days) due to documentation requirements.
We offer financing from $10K to $5M, depending on your revenue, time in business, and the product you choose. Equipment financing and SBA loans support the largest amounts, while short-term loans and lines of credit are ideal for smaller, faster needs.
Yes. Equipment financing is built exactly for this. You can purchase or lease fuel pumps, underground tanks, POS and compliance systems, refrigeration, and car wash equipment with the equipment itself acting as collateral, which means easier approvals and competitive rates even with average credit.
Yes. Many of our products accept FICO scores as low as 500. We weigh your daily sales, fuel and store volume, and overall revenue strength more heavily than credit alone. Merchant cash advances and revenue-based financing are designed specifically for owners with weak credit or short time in business.
Absolutely. SBA loans and long-term loans are built for station acquisitions, real estate, and remodels, while equipment financing covers pumps, tanks, and store systems. Most of our products let you use funds flexibly across inventory, equipment, and operations.
Whether you need to cover a fuel delivery, upgrade pumps and tanks, remodel the store, add a car wash or food service, or acquire another station, Committed to Capital has gas station financing solutions built for how your business actually operates.
