A standing cushion for fuel swings, repairs, and slow weeks. Draw when you need it. FICO 500+ considered, no tax returns.
Start My ApplicationBusiness Line of Credit
Station costs rarely arrive as one big bill. A line of credit lets you draw for each fuel load, repair, or slow stretch as it happens.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Decisions move fast.
FICO 500+ is considered alongside your deposit history.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
How and when you repay is laid out in your offer from the start.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most station costs are not one big purchase. They are a string of medium-sized hits: a fuel load that costs more than last month, a compressor on the walk-in, a card reader upgrade, a stretch of slow traffic during road construction. A business line of credit lets you draw when one of those comes up instead of taking a lump sum you may not need all at once.
It works best for owners who already run a steady operation and want a standing cushion they can reach for.
| Situation | Often a better fit |
|---|---|
| Recurring, unpredictable costs | Line of credit |
| One known expense right now | Merchant cash advance |
| Want repayment tied to sales | Merchant cash advance |
We break this down further in line of credit vs. merchant cash advance for gas stations. You can also read about the gas station MCA directly.
We look at about three months of business bank statements. Steady deposits, a clean account with few overdrafts, and a manageable level of existing obligations all help. A FICO score of 500 or above is considered, and the first check is a soft credit pull. We do not require tax returns, and sole proprietors can apply. Lines and other products range from $25,000 to $5,000,000, depending mainly on your deposits and what you already owe.
A line of credit works best when you treat it as a tool, not extra income. Many owners draw for a specific cost, repay it as sales come in, and keep the rest available for the next surprise. Planning a busy summer or a slow winter around that cushion can keep you from turning down fuel loads or delaying repairs. It also helps to keep a simple log of each draw so you can see which costs keep coming back.
Your offer spells out the full repayment amount and how repayment works before you accept. No surprise costs after you sign. If you want to understand how funders weigh your file first, read how gas stations qualify. Otherwise, start the 5-minute application.
You get access to a set amount and draw from it when costs come up, such as a fuel load or a repair, instead of taking everything at once.
It depends. A line helps with recurring, unpredictable costs. An MCA can fit a single known expense. We can show you both.
FICO 500+ is considered. We start with a soft credit pull.
No tax returns. We ask for about three months of business bank statements.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A cleaner bank history makes a line of credit easier to size for your station.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding