Industry Guide
MCA Funders for Gas Stations
Why Gas Stations Take Out MCAs
Fuel inventory purchases
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.
Store renovations and rebranding
Fuel brand changes, store remodels, and adding food service counters require significant capital. These upgrades directly increase daily revenue but cost upfront.
Equipment replacement
Pump replacements, POS system upgrades, underground tank compliance, and refrigeration units are expensive but mandatory for continued operation.
Adding services
Car washes, ATMs, lottery terminals, and EV charging stations generate additional revenue streams but require capital investment to install.
Environmental compliance
EPA tank regulations, vapor recovery systems, and environmental inspections come with costs that can't be deferred. Non-compliance means shutdown.
Seasonal inventory for the convenience store
Stocking up on beverages, snacks, tobacco, and seasonal items for summer or holiday rushes requires bulk purchasing ahead of demand.
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.
59 Funders Accept Gas Station
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
QFS Capital
VerifiedMin Revenue: $0/mo
Max Positions: 99
Defaults: ✕ No
App Funding Beta
VerifiedMin Revenue: $35,000/mo
Max Positions: 6
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
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