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Convenience Store Loans 


Convenience stores are an incredibly important part of the American economy, producing a staggering $233 billion of in-store sales in 2016 alone. Right now, there are over 150,000 convenience stores in the United States, and that number is likely to increase in the next few years as the U.S. population continues to grow. Whatever your convenience store financing needs are, Commercial Real Estate Loans. is ready and waiting to help. We provide convenience store financing for: 

  • Standalone convenience stores

  • Drive-up/drive through stores

  • Individual or franchise stores

  • Convenience stores with limited food service

  • Investor-owned or owner-occupied stores

Convenience Store Loan Terms

In general, our convenience store loan terms include: 

  • Loan Size: $500,000+

  • Loan Purpose: Loan can be used for property acquisition or refinancing, but cannot be used for business only-financing

  • Loan Term: 3, 5, 10 and 15-year fixed-rate terms

  • Amortization: 15, 20, 25 and 30-year options

  • Leverage: 80% LTV allowance (subordinate debt allowed)

  • DSCR: 1.40 minimum DSCR

  • Credit Score Requirement: 660 minimum

SBA Loans for Convenience Stores

While privately-insured loans have their place, the SBA 7(a) and SBA 504 loan programs are also incredibly effective ways to acquire or refinance a convenience store property. With SBA loans, convenience store owners can purchase property, but they can also purchase equipment or fund working capital for convenience stores. That makes these loans significantly more versatile for business owners who need more than just property to jumpstart their business growth. While SBA financing has a lot of benefits, it also much more stringent requirements than many other types of loans, including increased credit score requirements. 

Get a Free Convenience Store Property Loan Quote Today

For convenience store loans from just $500,000 and up, click the button below and fill out a short, secure form for a fast, easy, and free commercial loan quote from a commercial mortgage banker. You may also email us any time at