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What lenders usually look for

• Location strength: access, traffic drivers, competition, visibility
• Performance: inside sales, fuel volumes, and margin stability
• Structure: fee simple vs leased fee vs business-only; term and assignability
• Environmental posture: Phase I/UST history and documentation readiness
• Borrower strength: experience, liquidity, credit profile, management plan
• Cash flow: debt coverage after realistic expenses and reserves

What lenders usually look for

• Location strength: access, traffic drivers, competition, visibility
• Performance: inside sales, fuel volumes, and margin stability
• Structure: fee simple vs leased fee vs business-only; assignability and term
• Environmental posture: Phase I/UST history and documentation readiness
• Borrower strength: experience, liquidity, credit profile, and management plan
• Operations: staffing, hours, brand constraints, and vendor contracts

New to fuel assets? Start with the Gas Station Glossary.

What lenders usually look for

• Location strength: access, traffic drivers, competition, visibility
• Performance: inside sales, fuel volumes, and margin stability
• Structure: fee simple vs leased fee vs business-only; assignability and term
• Environmental posture: Phase I/UST history and documentation readiness
• Borrower strength: experience, liquidity, and credit profile

What lenders usually look for

• Location strength: access, traffic drivers, competition, visibility
• Performance: inside sales, fuel volumes, margin stability
• Structure: fee simple vs leased fee vs business-only and assignability
• Environmental posture: Phase I/UST history and documentation
• Borrower strength: experience, liquidity, credit profile
• Execution plan: diligence timeline, vendor coordination, closing readiness

Every lender is different; clean documentation and early diligence reduce delays.

What lenders usually look for

• Location strength: access, traffic drivers, competition, visibility
• Performance: inside sales, fuel volumes, margin stability
• Structure: fee simple vs leased fee vs business-only
• Environmental posture: Phase I/UST history and documentation
• Borrower strength: experience, liquidity, credit profile
• Collateral: equipment condition, canopy/MPDs, store buildout

Common questions

What financing is common for gas stations?

SBA (when eligible), conventional bank loans, and private/bridge capital depending on deal structure, brand, and borrower profile.

Can the business cash flow support the debt?

That’s the core question. We look at verified financials, fuel volume trends, inside sales, and rent/debt coverage to assess supportability.

Do lenders require environmental reports?

Often yes. Requirements vary, but Phase I ESA and brand/UST compliance items are common diligence steps.

What down payment is typical?

It varies by lender and structure, but plan for meaningful equity—especially for first-time buyers or higher-risk sites.

Do you work with buyers using 1031 funds?

Yes. We help align timing, diligence, and closing requirements with 1031 deadlines.