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Gas station financing

How can I finance a gas station purchase, refinance, or unfinished project?

Gas-station financing may use commercial, bridge, private-money, or SBA programs depending on the real estate, operating business, fuel and store sales, environmental review, improvements, equipment, borrower, and timing.

Answers before an application

The questions investors ask before they move forward.

01

Can a bridge loan finish a gas-station remodel?

Potentially. A qualifying bridge or private lender may refinance eligible debt, address approved contractor balances, and fund remaining work through controlled draws when value, equity, budget, and exit support the request.

02

What does a gas-station lender review?

Expect review of real-estate value, environmental reports, fuel and store sales, leases or supply agreements, business financials, equipment, construction, borrower experience, liquidity, credit, and debt-service capacity.

03

Can SBA refinance the bridge loan?

Potentially. An SBA 7(a) or 504 refinance may become an exit for an eligible operating business and owner-occupied property, subject to SBA and participating-lender approval.

04

What is Ahoo’s gas-station project example?

Ahoo structured $1.184 million in bridge financing, including a $130,000 construction draw, for a property appraised at $1.627 million as-is excluding equipment after substantial borrower-funded improvements. The project included a restaurant, attached beer lounge, and parking work.

Your scenario

Send the purchase or payoff, property value, business numbers, environmental status, construction budget, and deadline.

Start with a few questions