Industry

Gas stations with convenience stores funding in Canada: what funders actually read.

The deposit patterns, seasonality and timing that decide how a Canadian gas stations with convenience stores file is read.

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How funders read gas stations with convenience stores files

Fuel stations carry very high deposit volume at thin fuel margins, with the convenience store providing most of the profit.

Total deposits against thin fuel margins
The convenience-store revenue share
Fuel-supplier payment timing
Equipment and compliance costs

The cash-flow rhythm

Summer driving lifts fuel, and winter is steadier. Convenience-store revenue is more consistent than fuel.

Where the pressure usually shows up

Fuel is paid for before it is sold
Compliance and tank upgrades arrive as lumps
Fuel margins are thin

What the money usually does

Pump and card-reader upgrades
Store refit and coolers
Car-wash or food-service addition
Bridging fuel purchases

Eligibility varies by funder and file, and the convenience-store revenue is read separately from fuel. A modest request relative to non-fuel deposits keeps the payment comfortable.

A worked example

Illustrative arithmetic

A independent fuel station with a convenience store depositing about $320,000 a month asks for $90,000 for pump upgrades and store refit. At a 1.2 factor the payback is $108,000, a cost of $18,000. Over roughly 8 months that is about $643 per business day, or close to 4% of monthly deposits.

Total payback: $90,000 × 1.2 = $108,000.
Cost: $18,000.
Payment: about $643 per business day, or 4% of monthly deposits.

Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.

Before you apply

Separate fuel and store deposits where possible
Show supplier payment timing
Have upgrade quotes ready

Typical starting points

Monthly revenueTypically from around $20,000 a month in deposits for Canadian files. The exact line varies by funder and by file.

Time in businessTypically about 12 months. Newer businesses can be reviewed, but the options narrow.

Account healthLimited low-balance or negative days. Funders read the last few months of bank statements for this.

CreditScores from 500 are considered. A score of 600 or higher opens more options and better offers.

DocumentsA signed application and recent business bank statements, typically the last four months.

Existing advancesFiles with an existing advance can be reviewed, including second position.

Common questions

Are fuel stations eligible?

Eligibility varies by funder and file. Applying with a store-revenue split is the quickest way to find out.

Why does the store matter?

Fuel margins are thin, so store revenue is where the payment is comfortable.

Can I fund compliance upgrades?

Yes, with a quote.

Keep reading

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Educational information only. It is not legal, tax or accounting advice.

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