How Much Can Gasoline Stations with Convenience Stores Businesses Get in SBA Loans?
2,481 SBA loans totaling $4.0B have been approved for gasoline stations with convenience stores businesses (NAICS 457110). The average approved SBA loan is $1.6M, which is 373% above avg the $340K national average. 365 active lenders fund this industry with a 4.1% default rate on the matured 2018-2021 loan cohort.
At 4.1%, Gasoline Stations with Convenience Stores sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 457110 (Gasoline Stations with Convenience Stores) received 2,481 SBA loans worth $4.0B across 5+ states. Average loan $1.6M, average term 253 months, 4.1% default rate (resolved-loan basis).365 active SBA-approved lenders fund this industry. Most gasoline stations with convenience stores loans use the SBA 504 program.
Is SBA Lending Growing for Gasoline Stations with Convenience Stores?+33% growth
Which SBA Program Do Gasoline Stations with Convenience Stores Businesses Use Most?
What Is the Best SBA Loan for Gasoline Stations with Convenience Stores?
14% of gasoline stations with convenience stores loans use this program — ideal for real estate and major equipment purchases
Where Are Gasoline Stations with Convenience Stores SBA Loans Most Common?
Top SBA Lenders for Gasoline Stations with Convenience Stores
These banks have funded the most SBA loans for gasoline stations with convenience stores businesses (NAICS 457110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Celtic Bank Corporation(UT) | 156 | $380.4M |
| 2 | Readycap Lending, LLC(NJ) | 135 | $296.6M |
| 3 | Metro City Bank(GA) | 105 | $151.7M |
| 4 | Wallis Bank(TX) | 96 | $193.8M |
| 5 | Open Bank(CA) | 77 | $160.8M |
Ready to Fund Your Gasoline Stations with Convenience Stores Business?
PeerSense places SBA loans for gasoline stations with convenience stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Gasoline Stations with Convenience Stores Businesses?
Across all SBA loan programs, 2,481 loans have been approved for businesses classified under NAICS 457110 (Gasoline Stations with Convenience Stores), representing $4.0B in total capital deployed. The average approved loan of $1.6M is 373% above avg the national SBA average of $340K, with typical repayment terms of 253 months.
SBA lending for gasoline stations with convenience stores is accelerating — loan volume has grown approximately 33% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 14% 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 gasoline stations with 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.
Frequently Asked Questions — Gasoline Stations with Convenience Stores SBA Loans
What is the average SBA loan size for gasoline stations with convenience stores businesses?
Which SBA loan program is best for a gasoline stations with convenience stores business?
How many lenders fund SBA loans for gasoline stations with convenience stores?
What states have the most SBA lending for gasoline stations with convenience stores?
How does PeerSense help gasoline stations with convenience stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Gasoline Stations with Convenience Stores defined by NAICS code 457110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.