Gas Station & Car Wash Lending | Small Business Lending, Inc.
Fuel & convenience financing

Gas Station & Car Wash Lending

SBA 504 and 7(a) financing for gas station, convenience store, and car wash acquisitions, construction, equipment, and tank system upgrades.

Program overview

Financing that accounts for fuel systems, brand agreements, and equipment

Gas stations, convenience stores, and car washes involve underwriting considerations most generalist lenders overlook — fuel supply agreements, underground storage tank compliance, environmental requirements, and specialized wash equipment. We structure financing primarily through SBA 504 for real estate and major equipment, with SBA 7(a) available for acquisitions and working capital, and place transactions with lenders experienced in this space.

What These Loans Can Finance

Gas Station & C-Store Acquisitions

Purchase an existing fuel and convenience operation, real estate included.

Car Wash Construction

Build a new tunnel, in-bay automatic, or self-serve car wash facility.

Wash Equipment

Finance tunnel systems, vacuums, and other specialized car wash equipment.

Tank & Fuel System Upgrades

Fund underground storage tank replacement or upgrades to meet environmental requirements.

Refinance Existing Debt

Refinance an existing property or equipment loan to improve terms.

Property Types We Regularly Finance
Gas Stations
Convenience Stores
Tunnel Car Washes
Self-Serve & In-Bay Automatic
Our role

Structuring around fuel systems, brand agreements, and equipment.

Environmental & fuel review

We review tank age, environmental reports, and fuel supply agreements up front.

Deal structuring

We structure the real estate, equipment, and working capital components together.

Lender matching

We place the request with a lender experienced in fuel and car wash underwriting.

Through closing

We stay engaged through underwriting, environmental conditions, and funding.