Commercial
Gas Station/C-Store Loan
Secure the financing you need to acquire, refinance, or improve your gas station or convenience store with CMRE's specialized Gas Station/C-Store Loans. With competitive rates starting at 8.5% and flexible terms, we can help you fuel your business growth. Our streamlined process and expert team make securing commercial real estate financing easier than ever.
Program Benefits
Competitive interest rates starting at 8.5% to maximize your profitability.
Loan amounts tailored to meet the unique needs of gas station and c-store businesses.
Flexible loan terms designed to fit your cash flow and long-term goals.
Streamlined application and approval process for faster access to capital.
Expert guidance from experienced commercial real estate loan specialists.
Refinance options to lower your monthly payments or consolidate existing debt.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$250K - $5M+
Amortization Options
Eligible Properties
- Gas Stations
- Convenience Stores
- Truck Stops
- Combination Gas Station/C-Store
Program Requirements
Income Documentation
- •Demonstrated consistent revenue from gas and convenience store operations.
- •Detailed financial statements, including profit and loss statements and balance sheets.
- •Tax returns for the business and all principals for the past two to three years.
- •Debt Service Coverage Ratio (DSCR) that meets lender requirements.
Asset Verification
- •Appraisal of the gas station/c-store property by a qualified appraiser.
- •Clear title to the property or purchase agreement for acquisition.
- •Documentation of any existing equipment or inventory.
- •Business plan outlining your operations, marketing strategy, and financial projections.
Insurance & Title
- •Property insurance to cover the replacement cost of the gas station/c-store.
- •Liability insurance to protect against potential claims.
- •Business interruption insurance to cover lost income in the event of a covered loss.
- •Environmental liability insurance to cover potential contamination risks.
Property Requirements
- •Minimum FICO score of 640.
- •Satisfactory credit history with no major derogatory marks.
- •Personal and business credit reports for all principals.
- •Demonstrated ability to manage debt responsibly.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
These loans can be used for a variety of purposes, including purchasing a gas station or convenience store, refinancing an existing mortgage, renovating or expanding the business, purchasing new equipment, or acquiring additional inventory.
Loan terms can vary depending on the lender and the borrower's needs, but they typically range from 5 to 25 years. Shorter terms may result in higher monthly payments but lower overall interest costs, while longer terms offer lower monthly payments but higher overall interest costs.
The maximum LTV ratio typically ranges from 65% to 75%, depending on the lender, the borrower's creditworthiness, and the property's value. A lower LTV ratio may result in a lower interest rate and more favorable loan terms.
While requirements vary by lender, a minimum FICO score of 640 is typically required to qualify for a Gas Station/C-Store loan. However, a higher credit score may result in a lower interest rate and more favorable loan terms.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
