Finance your gas station purchase or upgrade
Gas stations and convenience stores are capital-intensive businesses — from acquisition and underground tank compliance to store renovations and inventory. Environmental regulations around underground storage tanks add a layer of complexity and cost that most lenders are unfamiliar with, making specialized financing critical. Bay Street Lending connects gas station owners with lenders who understand the high-volume, low-margin nature of fuel retail and the importance of convenience store revenue to overall profitability. Whether you are acquiring your first station, upgrading pumps and tanks, or expanding your c-store footprint, our network includes lenders with deep experience in petroleum retail.
Gas stations sell for $500K–$5M+ depending on location and brand. SBA loans offer the best terms for acquisitions.
Underground tank replacements and environmental remediation can cost $100K+. Financing covers these mandatory upgrades.
Fuel margins are tight. Convenience store sales drive profit. Capital for store upgrades directly impacts your bottom line.
Yes. SBA 7(a) and 504 loans are ideal for gas station purchases. They offer up to $5M with long terms and competitive rates.
Both branded (Shell, BP, etc.) and unbranded stations qualify. Branded stations may have additional financing options through the fuel company.
Yes. Equipment financing and SBA loans can cover underground storage tank replacement and environmental compliance work.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.