Flexible Gas Station Financing & SBA Loans

Start by identifying how the funds will be used: acquisition, refinance, equipment, working capital, improvements, or expansion. Franklin Financing Services can evaluate options such as SBA loans, business term loans, cash advances, equipment leasing, bridge loans, and acquisition financing. Typical underwriting may review revenue, cash flow, credit history, ownership involvement, bank statements, financial statements, and business debt.

SBA loans can be used for eligible gas station and convenience store needs, including commercial real estate purchases, construction, refinancing, leasehold improvements, equipment, business acquisition, and working capital when tied to approved uses. Franklin Financing Services lists SBA 7(a) loan sizes from $150,000 to $5.0 million, with longer terms, no points, and no balloon payments.

SBA loan packaging fees through Franklin Financing Services range from $750 to $2,000, based on loan size, and are collected at submission. The SBA guaranty fee ranges from 1.70% to 2.60% of the loan amount and can be financed into the loan. Final costs depend on the selected loan structure, amount, lender requirements, and transaction type.

For SBA loans, borrowers typically need adequate historic cash flow to support the proposed debt, satisfactory personal credit histories for principals and guarantors, active day-to-day involvement in the business, and debt-to-net-worth levels aligned with industry averages. Franklin Financing Services notes that past bankruptcies or felony arrests may be credit concerns for SBA financing.

Certain programs move quickly. Franklin Financing Services offers a FAST TRACK business term loan program with decisions in 24–48 hours for loans from $20,000 to $100,000, using an application and recent bank statements. Funding may be available in as little as three days. Easy Pay cash advances can receive approval in 48 hours and funding in under seven days.

Yes. Franklin Financing Services works with businesses that may not qualify with traditional banks and offers options for owners facing poor credit, late payments, or prior bank turndowns. Programs such as Easy Pay cash advances may require no financials, tax returns, asset documentation, or personal guarantee, though eligibility still depends on sales volume, card receipts, and lender criteria.

Gas stations may qualify for equipment leasing, SBA financing, business term loans, revenue-based financing, or debt restructuring, depending on the equipment type and business profile. Equipment leasing can reduce upfront capital needs, while SBA financing may support machinery, fixtures, and improvements. Debt restructuring may also help consolidate existing equipment loans into one payment and improve cash flow.

Franklin Financing Services offers a free business financing evaluation for small to medium-sized businesses. This evaluation helps identify suitable options such as SBA loans, term loans, equipment leasing, cash advances, and other programs. To make the review more useful, owners should be prepared to discuss revenue, time in business, credit history, funding purpose, and desired timeline.