Gas Station Commercial Loans - Mina Gorgyos

A Better Way To Get Commercial Real Estate Loans for Gas Stations


As of March 1, 2022, CREFCOA has temporarily suspended its gas station loan program.

Through our proprietary online commercial real estate lending platform (CRELP) we are changing the way borrowers obtain commercial real estate loans for gas stations. Commercial mortgage loans are available for both acquisitions and the refinance of your gas station mortgage loan. We help unlock the full potential of your business and commercial real estate investment with commercial financing options customized around your individual needs, investment objectives and property characteristics.

CREFCOA provides gas station commercial mortgages for gas station, service station, gas and c-store and other similar property types located in all 50 states and the District of Columbia.

In recent years, gas station financing has become more and more difficult due to a dynamic and ever changing industry, environmental concerns, strict supplier agreements and other external factors negatively impacting the industry.

CREFCOA understands these challenges and has created special purpose gas station financing to meet the individual needs and requirements of its clients.

Gas Station Eligible Property Types:

Properties eligible for CREFCOA's gas station commercial real estate loan program should be in above average condition, environmentally compliant and located in medium and above market sectors.

  • Loans must be secured by real estate
  • Brand or non-brand
  • Gas with c-store
  • Owner-occupied or investor properties
  • Established businesses only

General Terms For Gas Station Commercial Mortgage Loans:

  • Minimum gas station mortgage is $500,000
  • Loan collateralized by commercial real estate - no business only financing
  • Acquisition or refinance of stabilized gas stations
  • Bank, SBA, and conventional financing available
  • 3-20 year fixed rates
  • 15, 20, 25, & 30 Year amortizations
  • Flexible prepay options
  • 65%-75% LTV
  • Minimum 660 Credit Score
  • 3 years of stabilized operating history required
  • Startups not permitted

Initial Gas Station Loan Documentation Requirements:

To consider a request for financing, CREFCOA requires the following documentation:

  • 3 years business tax returns
  • 3 years individual tax returns
  • Business interim financial statements
  • AR/AP schedule
  • Schedule of inventory
  • FF&E breakdown
  • Franchise agreement if applicable
  • Supplier agreement
  • Phase l / Phase ll report

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