Industry Guide
Gas stations are strong MCA candidates because of their high daily transaction volume and consistent card processing. Funders see steady deposits every day, which makes underwriting straightforward. Most gas stations also have convenience stores attached, which adds another layer of predictable revenue.
The main consideration for gas station deals is margin. Fuel margins are razor-thin — often just a few cents per gallon — so the real profitability comes from the convenience store side. Funders who understand this won't be alarmed by high gross revenue with modest net margins. They're looking at deposit volume and consistency, not profit margins.
Deal sizes for gas stations range from $25K to $300K+ depending on the number of pumps, store size, and daily volume. Multi-location operators can qualify for significantly more. Key factors include time in business, fuel brand relationships, and whether the operator owns or leases the property.
Fuel deliveries require large upfront payments to distributors. A single tanker load can cost $20K-$40K, and high-volume stations need multiple deliveries per week.
Fuel brand changes, store remodels, and adding food service counters require significant capital. These upgrades directly increase daily revenue but cost upfront.
Pump replacements, POS system upgrades, underground tank compliance, and refrigeration units are expensive but mandatory for continued operation.
Car washes, ATMs, lottery terminals, and EV charging stations generate additional revenue streams but require capital investment to install.
EPA tank regulations, vapor recovery systems, and environmental inspections come with costs that can't be deferred. Non-compliance means shutdown.
Stocking up on beverages, snacks, tobacco, and seasonal items for summer or holiday rushes requires bulk purchasing ahead of demand.
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