Gas Station & Convenience Store Funding — Fuel, Inventory & Equipment Capital
Gas station and convenience store funding from Y Millennial Funding is working capital for fuel retailers, c-stores and truck stops, structured as a merchant cash advance: a purchase of future receivables, not a loan. It is sized to the station's card settlements and deposits, for stores doing $50,000 or more a month, and remitted as a share of receivables, so it follows how the store actually sells. Not all applicants qualify.
A station moves a lot of money for thin margins. Every fuel load is paid for within days, often by an automatic draft from the supplier, while most of the profit comes from the store, the kitchen and the car wash. Owners use our funding to cover fuel drafts when prices jump, fix pumps and coolers, handle tank compliance work, and remodel the store. We are a direct funder and underwrite on deposits, not credit score, property equity or the environmental file on the site.
Get Pre-Qualified
Takes under a minute. No credit pull.
- Can I qualify with bad credit? No. Approval weighs your station's card and store deposits, not your credit score or property equity, so an owner with steady volume can qualify despite past credit issues. Not all applicants qualify.
- How fast can I get funded? Eligible applications with complete bank statements can get a same-day decision, with funding commonly within 24 to 72 hours.
- What does it cost? Advance size is based on monthly deposits and how consistent they are. Advances commonly start around $25,000, and we evaluate requests up to $5 million for high-volume stations and small chains. Not all applicants qualify.
Industry Snapshot
Independent gas stations; branded and unbranded fuel retailers; gas-and-convenience combos; standalone convenience and corner stores; truck stops and travel centers; stations with car washes, quick-serve food, or repair bays attached.
$50K-$5M monthly revenue typical for our applicants; many single-site stations in the $150K-$1M monthly range once fuel sales are included.
$25K-$500K typical advance size; larger advances available for high-volume stations and small chains with strong deposit history.
Why Traditional Lenders Struggle with Gas Stations & Convenience Stores
Banks see thin fuel margins, a single location, and environmental risk tied to the tanks and the land, and they underwrite slowly because of it. A clean Phase I environmental report, appraisals and tank records can take weeks, and many owners carry credit marks from past fuel-price crunches.
None of that helps when a dispenser is down or a fuel draft is coming out Friday.
Why Revenue-Based Funding Works for Gas Stations & Convenience Stores
A merchant cash advance looks at what a station actually produces: thousands of card transactions settling every day, plus cash deposits from the store. We size funding to that volume, not to credit score, property equity or the environmental file.
Remittance is a share of receivables, so it matches the daily rhythm of the business, and funding can arrive fast enough to cover a fuel draft or get a pump back in service.
A merchant cash advance is a purchase of future receivables, not a loan. Approval depends on underwriting and revenue, and not all applicants qualify.
See if your gas stations & convenience stores business pre-qualifies
Checking your options takes under a minute and won't affect your credit. Approved on revenue, not credit score.
Prefer to talk? Call (855) 774-6461Common Uses of Funding
Covering fuel drafts when wholesale prices spike; dispenser, card-reader and POS upgrades; cooler, ice and kitchen equipment repairs; UST testing, repairs and compliance work; canopy and LED lighting; store remodels and food-service build-outs; adding a car wash or EV chargers; inventory restock; buying a second location.
Common Challenges
The fuel draft doesn't wait. Branded suppliers and jobbers usually pull payment for each load by EFT within days of delivery, and when wholesale prices jump, the same load costs more cash before a single gallon sells.
Fuel margins are thin and swing. Retail prices lag wholesale, so a rising market squeezes cents per gallon while card fees take a percentage of every higher-priced sale.
Pumps and payment. Since the card networks' EMV liability shift for fuel dispensers in April 2021, a station without chip readers at the pump carries the cost of counterfeit-card fraud there, and dispenser and card-reader upgrades are expensive.
Tank compliance is constant. Underground storage tank rules require monthly walkthrough inspections, spill-equipment testing and overfill inspections at least every three years, and trained Class A, B and C operators, and a failed test means repairs before the tank can keep running.
The store side eats cash too. Coolers, a roller grill or kitchen, tobacco and beverage inventory, and lottery settlements all need money in the account every week.
How Repayment Works
Daily or weekly ACH remittance set as a percentage of revenue, so remittance flexes with actual fuel and store sales — slower days remit less, busy days more. Total terms typically range from 6 to 18 months depending on advance size and deposit consistency.
Seasonal Considerations
Fuel volume follows driving: summer travel season and holiday weekends are the peak, winter slows stations in cold markets, and tourist corridors swing with the season. Wholesale fuel prices can move sharply in any month, especially during hurricane season when Gulf Coast refineries can shut down, which changes how much cash each delivery takes regardless of volume.
Regulatory Environment
The federal underground storage tank rules, updated in 2015 with a compliance date of October 13, 2018, require operator training, 30-day walkthrough inspections, spill-prevention testing and overfill inspections, and state tank programs and cleanup funds add their own rules. Pumps are checked by state weights-and-measures inspectors. Stations also carry fuel-tax and dealer licensing, tobacco, alcohol and lottery licenses for the store, age-verification rules, PCI card-security standards, and environmental cleanup liability tied to the property.
Industry Terminology
Fuel margin, dealer tank wagon (DTW) price, jobber, branded vs unbranded, UST (underground storage tank), EMV pump upgrade, inside sales vs fuel sales, shrinkage, lottery commission, slurpee/foodservice margin, c-store, double-wall tank, Stage II vapor recovery.
Nationwide Gas Stations & Convenience Stores Funding
Y Millennial Funding works with gas stations & convenience stores businesses across the United States. Because our funding is revenue-based and delivered electronically via ACH, we are able to work with businesses nationwide — not just in a single region. Wherever your business operates, we can underwrite based on your revenue history and get you funded quickly.
Local Markets We Serve
Below are some of the markets where we have dedicated local expertise in gas stations & convenience stores funding.
Frequently Asked Questions
Common questions about gas stations & convenience stores business funding.
Related Industries
Helpful Tools
Free resources to help you understand and plan your merchant cash advance.
Eligibility Checker
5-minute pre-qualification assessment with no credit pull.
MCA Calculator
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Stacking Calculator
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How MCA Works
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MCA Disclosures
Important terms and information.