Gas Station Business Loans

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Gas Station Financing

With around 300 million cars and many more commercial vehicles on the road, there is no shortage of customers looking for a place to refuel their vehicles and themselves. Gas station businesses have made some of the world’s biggest fortunes, but it’s difficult to get into the business without substantial upfront capital. If you’re looking to start or grow a gas station business, you’ll likely need a gas station business loan.

Applying for a gas station business loan is fast and easy:

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What is a gas station business loan?

A gas station business loan is a loan you can get to fund any gas station business expenses, from your daily working capital needs to expanding to another location.

Generally, a gas station business loan is a lump sum you borrow from a lender and then pay back, plus interest, over a term of months or years. Some loans are tied to one specific purchase, such as real estate or equipment, but most can be used for any business purpose.

Best Gas Station Business Loans

The top gas station business loans are:

Funding Circle

Funding Circle

Funding Circle

Funding: Borrow $25,000 to $200,000
Minimum Credit Score: 700
Loan term: 6-12 months
Funding turnaround: 24-48 hours

Funding Circle offers affordable business loans with interest rates lower than alternative lenders with monthly repayment schedules for borrowers with good to excellent credit scores.

Best for established gas station businesses looking to grow. Interest rates are from 12% to 36%, making them a competitive option, especially if you can secure those lower rates. They typically fund quickly - within 2-3 days.

  • Minimum credit score: 660
  • Minimum time in business: 2 years
  • Minimum annual revenue: none
  • Must not have a history of bankruptcy within the last 7 years
  • Requires business lien and personal guarantee
  • Not available in Nevada


OnDeck Business Loan Review


Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: up to 36 months
Funding turnaround: as soon as same business day

OnDeck offers fast business loan options such as term loans, business lines of credit, and SBA PPP loans and funding as fast as 24 hours. Minimum requirements include: at least 1 year in business, 600 credit score, $100,000 in gross annual revenue and a business checking account.

OnDeck is a popular short-term business loan provider, well known for their fast funding (often the same day). They accept lower credit scores than some other lenders, but make sure you know you can afford your loan if your score is less-than-perfect since their interest rates vary significantly, from 9% all the way up to 99%.

  • Minimum credit score: 600
  • Minimum time in business: 1 year
  • Minimum annual revenue: $100,000
  • At least 2 years must have passed since a bankruptcy
  • Requires personal guarantee and business lien




Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: 6-12 months
Funding turnaround: 24-48 hours

With BlueVine, borrowers can get approval as fast as 24 hours and obtain a business line of credit for short term capital needs while only paying interest on the funds you borrow.

Many gas station businesses find a business line of credit more beneficial than a traditional term loan, and so for that we recommend BlueVine. APR starts at 15% and they set up lines of credit quickly, in as little as 12 hours in some cases.

  • Minimum credit score: 600
  • Minimum time in business: 6 months
  • Minimum annual revenue: $120,000
  • Requires personal guarantee and business lien
  • Weekly repayments
  • Not available in the Dakotas or Vermont

What can a gas station business loan be used for?

A gas station business loan can be used for:

  • Renovations
  • New technology
  • New equipment
  • Purchase stock
  • Hire staff
  • New premises

Need help finding the right loan?

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What are the different types of gas station business loans?

  • Bank Loans: If you’re a well established business or an experienced business person, you may be able to qualify for a bank loan. These loans have strict qualification requirements and you’ll need excellent credit to be confident of getting accepted. That said, they offer some of the lowest interest rates available (2-5%) so it will be well worth it if you are accepted.
  • SBA Loans: SBA loans are term loans guaranteed by the Small Business Administration. They offer interest rates of around 3% - 13%, which makes them particularly desirable. The SBA 7(a) loan program offers funding for any business expense, while their 504 loan program can be used exclusively for large assets and real estate. They also offer the Microloan program for female-led and minority business owners, which provides funding up to $50,000. SBA loans also have strict qualification requirements, including personal collateral and a down payment. It can take up to 12 weeks to receive your funding from the start of your application, so they’re not a good option if you’re looking to move quickly, but if you have time and qualify, the interest rates are worth it.
  • Term Loans: Term loans are the most flexible and fastest form of funding available through online lenders. Interest rates are usually higher than what you can get from the options above, but if you have excellent credit they may be comparable. They can be used for any business purpose, offer terms from 3 months to 10 years, and most will fund your account within 3 working days.
  • Equipment Loans: If you are planning to use the loan for equipment, think about getting an equipment loan. These loans are essentially term loans where the equipment acts as collateral for the loan, so interest rates are generally good and you may not need to personally guarantee them.
  • Business Line of Credit: A business line of credit is a good alternative option to a traditional loan if you’re looking for flexible financing. A line of credit is like a credit card, in that you have a maximum credit limit and you can borrow what you need up to that limit. You only pay interest on what you’ve borrowed and can use credit again once you’ve paid it back.

What are the pros and cons of using a gas station business loan?


  • Generally more affordable than alternative forms of funding
  • Predictable daily, weekly, or monthly payments
  • Many fund within just a few days, allowing you to expand quickly


  • You usually have to provide a personal guarantee and business lien
  • The best loans require high credit scores
  • It’s difficult to secure funding for your first gas station through a loan

Is it hard to get a business loan for a gas station?

It can prove a challenge if you do not already have a gas station business as lenders want to see that you have already proven yourself a success before lending you money.

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How to Get a Gas Station Business Loan

To qualify for a gas station business loan, you usually need to meet the following minimum requirements:

  • A credit score of 600 or higher
  • A minimum annual revenue of $50,000 - $100,000
  • At least 1 year in business
  • Be willing to put up a personal guarantee and in many cases a business lien too

You can apply for your chosen loan online and the application process is usually straightforward. Simply ensure you meet their minimum requirements and follow their instructions. You’ll need to provide essential business information (such as licenses), personal information, and financial information, such as tax returns. Most applications will allow you to save it as you complete it so you won’t lose your progress if you need to stop to gather more information.

Compare gas station loan options from top lenders

Once you’ve decided a gas station business loan is right for you, it’s time to compare rates. Comparing interest rates is one of the most important steps in the process as it will help you get the most affordable loan possible. Find the best gas station business loan by comparing loans in our comparison tables and then click apply on the loan that best fits your needs. All you need to do then is follow their application process and you’ll soon have the funding you need to grow your business.

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