10,136 SBA loans totaling $2.7B have been approved for convenience stores businesses (NAICS 445120). The average approved SBA loan is $267K, which is 22% below avg the $340K national average. 972 active lenders fund this industry with a 11.7% historical default rate.
The most widely used SBA program for convenience stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for convenience stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 10,136 loans have been approved for businesses classified under NAICS 445120 (Convenience Stores), representing $2.7B in total capital deployed. The average approved loan of $267K is 22% below avg the national SBA average of $340K, with typical repayment terms of 146 months.
SBA lending for convenience stores has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 972 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching convenience stores business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Used Car Dealers
Pharmacies and Drug Stores
Automotive Parts and Accessories Stores
Data aggregated from SBA loan records (1992–2025). Convenience Stores defined by NAICS code 445120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.