SBA 7(a) GAS STATION FINANCING

Longer Repayment Terms

Repayment terms for SBA 7(a) loans are flexible, ranging up to 10 years for general business needs and up to 25 years for real estate. You can prepay loans under 15 years without penalties. For longer loans, a prepayment penalty applies for paying off more than 25% in the first three years: 5% in the first year, 3% in the second, and 1% in the third. After this period, you’re free to repay without penalties, offering greater control.

Competitive Interest Rates

Take advantage of the competitive interest rates offered by SBA 7(a) loans to reduce your financing costs and maximize your profitability. The government partially guarantees these loans, reducing our risk and allowing us to offer you better interest rates.

Lower Down Payments

The government guaranty also enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost but in some cases as low as 0%.

Flexible Use of Funds

The SBA 7(a) loan program is widely regarded as a top choice for small businesses due to its unmatched flexibility. Unlike many traditional loans that impose strict limitations, 7(a) loans empower businesses to meet a variety of financial needs, making them versatile for nearly any business purpose or stage of growth.

Buy a Gas Station

Purchasing a gas station with an SBA 7(a) loan allows you to invest in a high-demand, cash-flowing business. With competitive loan terms and manageable down payments, you can acquire a fuel station while preserving capital for inventory, upgrades, and operations.

Remodel & Renovate

Upgrading your gas station with new pumps, modern convenience store features, or enhanced signage can increase revenue and customer satisfaction. An SBA 7(a) loan provides funding for renovations and equipment upgrades, ensuring your station remains competitive in the market.

Build a Gas Station

Constructing a gas station from the ground up gives you complete control over location, branding, and design. An SBA 7(a) loan provides financing for land acquisition, construction, and equipment, often with up to one year of interest-only payments to support cash flow during development.

Expand Your Current Facility

Adding additional pumps, expanding the convenience store, or opening a second location can help grow your gas station’s profitability. With an SBA 7(a) loan, you can secure financing for property expansion, new fuel systems, or upgraded retail space while maintaining financial flexibility.

Refinance High-Interest Debt

Refinancing existing gas station debt with an SBA 7(a) loan can lower monthly payments and improve cash flow. By securing better loan terms, you can reduce financial strain and reinvest savings into fuel contracts, inventory, and operational improvements.