Gas station financing
Get $5,000 to $10 million to replace equipment, finance fuel inventory, renovate your c-store or cover compliance upgrades, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Gas station financing options at a glance.
A station earns money at the pumps and in the store. The right option depends on which one the money is for.
Small Business Term Loans
- Best for
- A store renovation, a new canopy or a car wash added to the lot
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Tanker loads and store restocking between card settlements, drawn only when needed
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Dispensers with chip and tap readers, point-of-sale systems and car-wash equipment
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- One lump sum to stock up before a holiday weekend or the summer season
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Bridge Capital
- Best for
- Closing on a station or its land before long-term financing is in place
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How gas station financing works.
A station earns in two places: the pumps, where fuel moves in volume, and the store, where much of the profit is made. Fuel suppliers expect payment soon after each delivery, while card sales take days to settle.
You apply online in minutes. Our team reviews your application and brings you the options that fit your station: a line of credit for fuel loads, equipment financing for new dispensers, a term loan for a renovation or bridge capital to close on a station. We look at your revenue, deposits and time in business, not just your credit score.
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Equipment as collateral. New dispensers, payment systems and car-wash equipment are financed with the equipment itself as collateral, up to 90% of its value, and paid off over its working life.
Compliance upgrades. Tank testing, leak detection and upgrades are part of keeping a site in compliance. A term loan or working capital covers the work when it comes due.
Buying a station. When a purchase has to close before long-term financing is ready, bridge capital covers the gap, and it’s repaid once that financing arrives.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Gas station financing for every situation.
Stations use different kinds of financing for the pumps, the tanks and the store.
Pumps and tanks due for an upgrade
Older dispensers, card readers and tank systems need replacing as they age. Equipment financing spreads the cost over the years you use the new ones.
Fuel loads and supplier terms
Suppliers take payment soon after each delivery. A line of credit pays for tanker loads while card sales settle.
Renovating the c-store. A term loan pays for a renovation, a hot-food counter or a car wash.
What station owners use financing for.
Fuel inventory
Tanker loads paid on time, with room to stock up before a holiday weekend.
Pumps and dispensers
New dispensers with chip and tap card readers, and a point-of-sale system to match.
Tanks and compliance
Tank testing, leak detection and the upgrades inspections call for.
Store renovation
New coolers, shelving, lighting and a faster checkout.
Food service and car wash
A hot-food counter, a coffee bar or a car wash that adds sales beyond fuel.
Canopy, lighting and signs
A brighter canopy, LED lighting and price signs drivers can read from the road.
All you need to qualify.
We look at more than your credit score, including your revenue history from fuel and store sales, deposit consistency and time in business. A station with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Can financing cover fuel loads?
Yes. A line of credit or working capital pays for tanker loads while card sales settle, with room to stock up ahead of a busy weekend.
Can I finance new dispensers or tank work?
Yes. Equipment financing covers new dispensers, payment systems and car-wash equipment, up to 90% of their value, with the equipment itself as collateral. Tank testing and upgrades are paid with a term loan or working capital.
Can I use financing for the store?
Yes. A term loan or a line of credit pays for a renovation, new coolers and shelving, a food counter or the store’s stock.
Can financing help me buy a station?
Yes. Bridge capital closes a purchase while long-term financing is arranged, and a term loan funds the improvements that follow.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.