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Truck Stop & Travel Center Loans in Texas

Texas carries more interstate freight than any other state, and a travel plaza is the asset class built on it. The underwriting looks nothing like a corner station: diesel volume, truck parking spaces and the quality of the interchange do most of the work.

What the file turns on

Diesel gallons and margin, striped truck parking count, the interchange and which direction of traffic can actually reach the site, and revenue from showers, restaurant and repair bays.

Where deals fail

A site that only serves one direction of travel, parking too tight for a sleeper to turn, and a highway project that is about to move the traffic.

Environmental and tankage

Everything true of a fuel station applies here at a larger scale, with more tanks, higher throughput and more history to document.

Our minimum loan is $200,000. We are a direct commercial lender working across the 43 states we serve, in business since 1998. We do not publish a rate for this product because the number depends on the file — call and we will quote the deal in front of us.

Gas Station, C-Store & Car Wash Loans in Texas · Commercial lending · Hard money loans · All loan types · All property types

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Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
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Specialty Commercial Finance

Truck Stop & Travel Plaza Financing in Texas:
Funding the Infrastructure That Moves America

Texas is the most trucked state in America — more than 1.2 million commercial trucks registered, three of the top-10 busiest freight corridors in the US, and the highest diesel fuel volume in the nation. Truck stops and travel plazas along I-10, I-35, I-20, I-40, and I-45 are high-revenue, defensively positioned assets. Here's how the financing works for independent operators and branded plaza buyers.

50–60%
LTV Range
1.35×
Min DSCR
SBA 10%
Down (Owner-Operated)
Phase I+II
Environmental Required

Revenue Streams Lenders Underwrite

Primary — 60–70% of revenue

Diesel & Fuel Sales

High volume, thin margin — typically $0.04–0.08/gallon net on diesel. A busy Texas truck stop moves 50,000–150,000 gallons/month. Lenders confirm volume via DEQ fuel reports and supplier invoices, not just owner-stated numbers.

Margin: $0.04–0.08/gal
High Margin — 15–20%

C-Store / Food Service

Convenience store, branded fast food (Subway, Pizza Hut, Wendy's), and truck driver staples. Gross margins 30–45%. Branded food concepts add $500K–$1.5M to annual revenue at full-service travel plazas. Lenders weight this heavily — it's where the real money is.

Margin: 30–45%
Recurring

Truck Parking Fees

Overnight truck parking — $10–25/space/night. A 100-space lot at 75% occupancy generates $27,000–$68,000/month. Some locations charge $30–50 for premium spots with electricity hookup. Scalable with minimal capital.

$10–25/space/night
Growing

Shower & Laundry

Truckers pay $12–18/shower; laundry $5–8/load. A busy stop with 30 shower bays runs 150–400 showers/day. TravelCenters of America reports showers as one of the highest-margin services. Recurring loyalty from CDL regulars on set routes.

$12–18/shower, high frequency
Passive

Truck Repair / Lube Bay

On-site truck repair, oil change, and tire service — either operated directly or leased to a third party (Love's, Speedco, TA Truck Service). Third-party lease = stable rent without operational involvement. Direct operation = higher revenue but more management intensity.

Lease: $8–20K/mo net
Ancillary

Scale / Weigh Station

Certified truck scales ($0.10–0.25/weigh) and DOT-required pre-trip inspection services. Low revenue individually but drives traffic — truckers who stop to weigh buy fuel. Scale certification by NIST adds credibility and regulatory compliance.

Traffic driver + ancillary income

What Truck Stop Lenders Want

3 years of tax returns showing consistent fuel volume and c-store revenue — DEQ fuel reports validate stated gallons independently
Strategic interstate or US highway location — visibility, easy ingress/egress for 18-wheelers (wide aprons, pull-through fueling lanes)
Modern USTs (post-1998 double-wall) with active leak detection and current TCEQ compliance certificate
Operating relationship with a branded fuel supplier (Pilot, Love's, or independent jobber with volume contract)
Diverse revenue mix — locations with c-store + food + parking are far more lendable than fuel-only stops
Experienced operator — 3+ years managing a fuel/c-store operation; lenders underwrite the person as much as the property

What Creates Friction

Environmental contamination — petroleum sites with confirmed soil/groundwater issues require TCEQ remediation before financing
Aging single-wall USTs — pre-1988 tanks require immediate replacement ($50K–150K) which lenders require before or at closing
Revenue almost entirely fuel-margin dependent — compressed diesel margins in competitive markets create DSCR risk
Off-highway location — a truck stop not directly visible from the interstate requires a compelling volume history to overcome the location disadvantage
Declining volume trend — gallons sold dropping 10%+ year-over-year is a red flag lenders will require an explanation for
EV/hydrogen transition concern — lenders in markets near major EV adoption corridors discount long-term fuel demand projections

Prime Texas Truck Stop Corridors

I-35 Corridor (Laredo to DFW to Oklahoma)

The single busiest freight corridor in North America — NAFTA traffic from Mexico to US interior. Laredo is the #1 US–Mexico land port of entry by value. Truck stops from Laredo to San Antonio to Austin to DFW are among the highest-volume in the country. Fuel volumes run 2–3× national average at well-positioned stops.

I-10 Corridor (El Paso to Houston to Louisiana)

Cross-country transcontinental freight from West Coast to Gulf Coast and Southeast. El Paso's international crossing + Houston's port generate massive eastbound/westbound truck flow. Truck stops in Kerrville, Junction, Ozona, and Pecos serve captive markets with no competition for miles — pricing power is exceptional.

I-20 Corridor (Odessa/Midland to DFW)

Energy sector support traffic — oilfield equipment, chemical tankers, and pipe haul between Permian Basin and DFW. Volume surges with energy sector activity. Odessa and Midland area stops serve round-the-clock oilfield contractor traffic, not just through-traffic.

I-45 / Gulf Coast (Houston to Dallas)

Petrochemical tanker traffic from Bayport and Texas City refineries north to DFW and beyond. Houston metro truck traffic alone ranks top-3 nationally. Truck stops in Huntsville, Corsicana, and Ennis serve consistent I-45 through-traffic with limited new competition.

Truck Stop or Travel Plaza in Texas? We Understand the Asset.

Independent truck stops, branded travel plazas, fuel-only highway stations, and full-service travel centers — we've financed all formats across Texas's major freight corridors. SBA 7(a) at 10% down for owner-operators, conventional at today's rates LTV, and bridge financing for value-add acquisitions. Environmental is not a deal-killer if managed correctly. Bring your T-12 and fuel volume reports and we'll have a term sheet in 24 hours.

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