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Last updated on Feb 1, 2023
2 min read

Convenience Store Financing Options

Convenience store loans typically start at $500,000 with terms up to 15 years and amortizations up to 30 years, while SBA financing starts at just $30,000 and has terms and amortizations up to 25 years.

Apply for a loan in minutes and get multiple quotes today → Get Quotes

In this article:
  1. Convenience Store Loan Terms
  2. SBA Loans for Convenience Stores
  3. Get Your Free Convenience Store Property Loan Quote Today
  4. Get Financing

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 Your Free Convenience Store Property Loan Quote Today

Get your free quote by simply filling out the form below. It only takes a minute, and we'll get right to work finding the best options for you.

In this article:
  1. Convenience Store Loan Terms
  2. SBA Loans for Convenience Stores
  3. Get Your Free Convenience Store Property Loan Quote Today
  4. Get Financing

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

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Commercial Real Estate Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

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