Merchant Fund Express
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Funding for a Big Contract at Your Gas Station

Fleet accounts and supply deals bill later. Get $25,000 to $5,000,000 to carry the fuel, staff and setup until the invoices clear.

Fund My Contract

Gas Station Contract Funding

Say yes to the fleet account without straining fuel orders

A new fleet customer is steady volume, but you buy the fuel first. We help stations carry that float while the account settles in.

As fast as
24 hours

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.

Made for stations taking on bigger accounts

Fast answers, little paperwork

Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ is considered, and your deposit history counts heavily in the review.

No surprises on cost

The full repayment amount appears in your offer before you accept, and nothing gets added after you sign.

Plan around your billing cycle

Your repayment schedule is laid out up front so you can match it to when the fleet pays.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

What a big contract looks like at a station

For a station, a big contract is usually a fleet account. A school district, a local delivery company, a municipal public works yard or a landscaping outfit agrees to fuel its trucks at your pumps on account. Sometimes it is a house account for a contractor's crews, or a supply deal to stock a nearby job site with snacks and drinks. These relationships can steady your volume for years, but they usually bill monthly. You pay for the fuel load now and wait to get paid.

Where the money goes before the first invoice clears

Sizing the request

Look at the gap rather than the contract total. How much extra fuel and labor will you carry between delivering and collecting? That gap is usually the right ask. For illustration, a station taking on a local fleet that bills monthly might need to carry four or five extra weeks of fuel cost, while a job-site supply deal might mostly mean extra inventory. Funders weigh your recent deposits and existing obligations to decide what fits, so the size of the contract alone does not set the amount.

Choosing between products

If the contract creates a recurring float every month, a business line of credit for gas stations lets you draw as invoices go out and repay as they come in. If the main need is a one-time ramp-up, working capital for gas stations is simpler. Stations with heavy card volume sometimes choose revenue-based financing so payments move with sales.

How to apply

Start the 5-minute application. We begin with a soft credit pull and ask for about three months of business bank statements. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Do I need the fleet contract signed before applying?

It helps you size the request, but the review looks mainly at your bank deposits and current obligations rather than the contract itself.

Can the funds cover fuel purchases?

Yes. Many owners use contract funding to carry the larger fuel loads a new fleet account requires until invoices are paid.

What if the contract pays slowly?

Plan for it. Size the request to cover the full wait between fueling and payment, and choose a repayment schedule you can carry during that wait.

Is a line of credit better for fleet accounts?

Often, because fleet billing repeats every month. A line lets you draw only what each cycle needs.

How quickly can I get funded?

Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.

Can a sole proprietor station owner apply for contract funding?

Yes. Sole proprietors can apply. The review looks at your recent business bank deposits and existing obligations, the same as for any other station, and starts with a soft credit pull.

Extra fuel loads $60,000.00
Diesel lane add $95,000.00
Billing setup $25,000.00
Early shift staff $30,000.00

Example uses for illustration only.

How to improve your chances

These steps help show a funder the contract is manageable.

  • Map out the fleet's billing and payment dates
  • Keep contract revenue in your main business account
  • Track fuel cost per load as volume grows
  • Avoid taking on new obligations right before applying

Contract funding compared

Merchant Fund Express
Traditional bank loans
Focus of review
Recent bank deposits
Collateral and tax returns
Time to apply
About 5 minutes
Hours of paperwork
Funding speed
As little as 24 hours if qualified
Weeks in many cases
Credit range
FICO 500+ considered
Higher scores expected
Sole proprietors
Can apply
Often harder to qualify

Take on the account with cash in place

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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