A fuel station is three businesses on one parcel: the pumps, the store inside, and increasingly a car wash. Lenders care most about the second one, because inside sales carry the margin while fuel gallons carry the traffic — and they care about what is under the ground.
What the file turns on
Fuel volume and margin separated from inside sales, the brand or supply agreement, tank age and construction, and a current environmental report.
Where deals fail
Single-wall or undocumented tanks, an open release in the state database, a supply agreement that expires before the loan does, and a car wash counted at capacity rather than at measured throughput.
Environmental work is not optional
On any site that has stored fuel, the environmental report sets the timetable for the whole transaction. Order it early.
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 We do not publish a rate for this product because the number depends on the file — call and we will quote the deal in front of us.
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