Gas Station Financing in California. SBA 7(a) & 504 Loans

At Commercial Capital Partners, we specialize in gas station financing across California and the broader Southern California market. With a dedicated focus on petroleum retail, we have closed millions of dollars in gas station transactions, from single-station purchases in Bakersfield to multi-property refinances in the Inland Empire. Our clients include independent operators, branded franchise buyers, and investors looking to refinance, expand, or build from the ground up.

Loan Programs for Gas Stations

SBA 7(a) Loans

The SBA 7(a) loan is the most flexible program for gas station financing. It can be used for business acquisitions, real estate purchases, equipment upgrades, working capital, leasehold improvements, tenant improvements, and refinancing of existing debt. Gas station buyers benefit from the program’s low down payment requirement, typically 10–15%, and long repayment terms of up to 25 years for real estate. Loan amounts go up to $5 million.

SBA 504 Loans

The SBA 504 loan is designed for the purchase or refinance of owner-occupied commercial real estate, including gas stations with a real property component. This program pairs a bank loan with a CDC (Certified Development Company) loan to provide below-market, fixed interest rates and down payments as low as 10–15%. It is an excellent option for buyers who want long-term rate certainty and want to preserve working capital.

Conventional Financing

For experienced operators with strong financials, conventional commercial loans may offer faster closings and more flexible underwriting than SBA programs. We work with a network of national banks, regional lenders, and private capital sources to identify the best fit for each transaction.

What We Finance

  • Purchase of a gas station business (with or without real estate)
  • Purchase of gas station real estate (owner-occupied)
  • Refinance of existing gas station debt, including cash-out options
  • Ground-up construction of new gas station facilities
  • Equipment upgrades (dispensers, tanks, canopies, point-of-sale systems)
  • Tenant improvements and canopy renovations
  • Multi-station portfolio acquisitions

Recent Gas Station Deals Closed

Our team has a proven track record closing gas station transactions throughout California:

  • $3,375,900 SBA 7(a) loan. Ground-up construction, Bakersfield, CA
  • $3,007,500 SBA 504 loan. Gas station refinance and cash-out, Colton, CA
  • $2,203,300 SBA 7(a) loan. Equipment and tenant improvement, Bakersfield, CA
  • $1,539,900 SBA 7(a) loan. Gas station purchase, Bakersfield, CA
  • $1,300,000 SBA 7(a) loan. Gas station refinance, Riverside, CA

Why Work With Commercial Capital Partners?

Gas station financing is a specialty niche that requires deep knowledge of the petroleum industry, environmental considerations, and lender requirements specific to fuel retailers. Most general commercial lenders are unfamiliar with the nuances, we are not. We know what lenders look for, how to structure transactions involving both business and real estate components, and how to navigate environmental reports, UST compliance, and brand agreements.

We work directly with lenders experienced in petroleum retail financing, including SBA preferred lenders with dedicated gas station programs. Our clients benefit from faster approvals, cleaner underwriting, and financing structures optimized for their goals.

Get Started Today

Whether you are purchasing your first gas station, refinancing an existing property, or expanding your portfolio, Commercial Capital Partners is ready to help. Call us at (909) 721-5915 or contact us online to discuss your financing needs. We serve the Inland Empire, Los Angeles, Bakersfield, and clients throughout California.