Commercial
Gas Station/C-Store Loan in Scottsdale, AZ
Looking for the best Gas Station/C-Store Loan in Scottsdale, AZ? Our local team specializes in helping Scottsdale residents secure competitive financing. Whether you're buying in Old Town or DC Ranch, we have the expertise to guide you.
Key Facts About Gas Station/C-Store Loan
CMRE Gas Station/C-Store Loan ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Gas Station/C-Store Loan.
CMRE Gas Station/C-Store Loan closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Gas Station/C-Store Loan ranges $250K to $50M.
CMRE commercial bank statement programs for Gas Station/C-Store Loan.
CMRE Gas Station/C-Store Loan closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
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.
Gas Station/C-Store Loan in Scottsdale: The Complete Guide
What Is Gas Station/C-Store Loan?
Gas Station/C-Store loans are specialized commercial real estate loans designed to finance the acquisition, refinancing, or improvement of gas stations and convenience stores. These loans often require a thorough understanding of the industry, including environmental regulations, fuel sales, and inventory management. Lenders will assess the business's profitability, cash flow, and the borrower's experience in the industry. Understanding the nuances of these loans is crucial for securing favorable terms and maximizing your investment.
Qualifying for Gas Station/C-Store Loan
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Gas Station/C-Store Loan vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Gas Station/C-Store Loan with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Gas Station/C-Store Loan in Scottsdale, AZ
Luxury home financing in Scottsdale. Jumbo loans, second home financing, and investment property loans. Custom Mortgage & Real Estate specializes in providing high-fidelity Gas Station/C-Store Loan solutions tailored to the unique economic landscape of Scottsdale and the surrounding Maricopa County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireScottsdale metropolitan area.
Service Areas & Neighborhoods
Our Scottsdale Presence
Local Knowledge. Global Rates.
7047 E Greenway Pkwy
Scottsdale, AZ 85254
Direct Line
877-976-5669Common Questions About Gas Station/C-Store Loan in Scottsdale
What are current Gas Station/C-Store Loan rates in Scottsdale, AZ?
Gas Station/C-Store Loan rates in Scottsdale depend on loan amount, credit profile, and property type. CMRE publishes updated Scottsdale rate ranges daily and provides locked quotes within 24 hours of application.
How long does Gas Station/C-Store Loan closing take in Scottsdale?
CMRE typically closes Gas Station/C-Store Loan loans in Scottsdale within 21-30 days from application. Pre-approval takes 24 hours, and our AZ-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Scottsdale?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Scottsdale and throughout Maricopa County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Scottsdale?
Yes. CMRE is an SBA Preferred Lender in Scottsdale. We offer SBA 7(a), 504, and Express loans for Maricopa County business owners purchasing or refinancing commercial real estate.
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.
CMRE Gas Station/C-Store Loan starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
Gas Station/C-Store Loan by Location
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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."
