Fuel loads clear before gallons sell, and card money settles later. Track the gap, then fund it when the math works.
Check My StationGas Station Cash Flow
For established gas stations with steady deposits. From $25,000, about three months of bank statements, soft credit pull to start.
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.
About 5 minutes to apply, three months of statements, no tax returns. Qualified stations can be funded in as little as 24 hours.
FICO 500+ is considered, and we begin with a soft credit pull.
Your offer shows the full repayment amount before you accept, and nothing is added after you sign.
The repayment schedule is laid out in the offer up front.
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.
Gas stations move a lot of money and keep a small slice of it. A fuel load can be one of the largest checks you write all week, and it often has to clear before the gallons are sold. Card settlements arrive over the following days. Meanwhile the convenience store has its own vendors, payroll and equipment.
That mix makes gas stations cash flow unusual: the deposits look large, but the cushion can be thin.
The convenience store is usually where the margin lives. Track it separately, even if it all runs through one account. Know what each fuel drop costs, how many days it takes to sell through and when card money settles. Then look at store sales, which tend to be steadier.
Pumps, dispensers, card readers, coolers and tank monitoring equipment all fail eventually, and some failures shut down revenue until fixed. Keep a reserve and a service calendar. For bigger upgrades like new dispensers or a cooler wall, equipment financing for gas stations can spread the cost.
For illustration: a station takes two fuel deliveries a week. Each one is drafted from the account within a few days, while card settlements for the gallons sold trickle in daily. If wholesale prices jump, the next load costs more before pump prices catch up. Stations that keep a fuel reserve sized to at least one extra load tend to ride out those swings without delaying store vendors or payroll.
Inside sales, car wash revenue and lottery commissions all add to the picture. Knowing which of those lines actually leaves margin helps you decide where any new money should go.
Merchant Fund Express works with established stations that show steady deposits. A business line of credit for gas stations can help when fuel loads and settlement timing do not line up. Working capital suits one-time needs like a store remodel. Funding runs from $25,000 to $5,000,000.
We review about three months of bank statements, consider FICO 500+, and start with a soft credit pull. No tax returns are required. Start the 5-minute application when you are ready.
We look at the full deposit picture and your existing obligations. High fuel volume is context, and we try to understand the business rather than read a single number.
A line of credit or working capital is often used for operating costs like fuel. Make sure the margin on that fuel supports the cost before accepting an offer.
Equipment financing can help with dispensers, coolers and similar equipment. The amount depends mainly on deposits and existing obligations.
A 5-minute application and about three months of business bank statements. No tax returns.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
Example uses for illustration only.
Stations that do these things usually run steadier.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding