Merchant Fund Express
(305) 384-8391Apply

Expansion Funding for Gas Stations

More pumps, a bigger store, a wash bay or a second site. Get $25,000 to $5,000,000 for the next stage of your station.

Plan My Expansion

Gas Station Expansion

Grow inside sales and the forecourt without draining cash

Fuel keeps cars coming in, but the store is where growth often lives. We fund the projects that turn more of those stops into sales.

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.

Why station owners use us to grow

Quick review, short document list

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ is considered. Your station's deposit history carries real weight.

Total cost shown up front

Your offer lists the full repayment amount before you accept, with no surprise costs after you sign.

A schedule you can see

The repayment schedule is spelled out in your offer, so you can line it up with your project timeline.

Ready to see your numbers?

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.

Growth at a fuel site rarely happens in one step

Most station owners we talk with are not trying to reinvent the business. They want more of what already works: another island so the line at 7 a.m. moves faster, a bigger cooler wall, a hot food counter, or a second location down the highway. Each of those projects asks for cash before it pays back, and fuel margins alone do not always leave room to fund them out of pocket. That is where expansion funding for gas stations comes in.

Common expansion projects we see

Fixed assets like dispensers or wash equipment often fit equipment financing for gas stations, while store build-outs and opening inventory usually run through working capital.

How funders look at a station that wants to grow

The review starts with your recent bank deposits. Stations move a lot of money through the account, but much of it goes straight back out to the fuel supplier, so funders look at the full picture: deposits, what leaves for fuel loads, and any existing obligations. A store that shows steady inside sales alongside fuel volume gives a clearer view of what new payments it can carry. Credit matters too, but FICO 500+ is considered, so one rough stretch in your history does not end the conversation.

Phasing the project

Expansions tend to go better in stages. Fund the piece that starts producing revenue soonest, let it settle in, then come back for the next phase. For illustration, an owner might fund cooler and food counter upgrades first, then return later for a wash bay once inside sales have grown. A business line of credit can also work well for staged projects because you draw only as each phase begins.

Getting started

The application takes about 5 minutes and starts with a soft credit pull. You send roughly three months of business bank statements and no tax returns. Sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses, and every offer shows the full repayment amount before you accept.

Frequently Asked Questions

Can I use expansion funding to open a second station?

Yes. Owners use it for opening inventory, staffing, deposits and setup costs at a new site. The amount depends mainly on your current deposits and existing obligations.

Do fuel sales count toward my deposits?

Funders see all deposits, but they also see what goes back out to your fuel supplier. Strong inside store sales help show the margin your business actually keeps.

Should I finance new dispensers separately?

Often, yes. Equipment financing is built for specific assets, while working capital covers the softer costs around a remodel or opening.

How much can a gas station get?

We offer $25,000 to $5,000,000. Where you land depends on your recent deposits and current obligations, not a fixed formula.

Will checking my options affect my credit?

We start with a soft credit pull, so looking at offers does not begin with a hard inquiry.

Store remodel $85,000.00
New dispensers $140,000.00
Food counter $42,000.00
Second site stock $65,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make an expansion request stronger before you apply.

  • Separate fuel and store sales in your own records
  • Keep deposits flowing into one business account
  • Get contractor or equipment quotes in writing
  • Fund the fastest-payback phase first

Expansion funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Paperwork
About 3 months of statements
Tax returns and projections
Credit
FICO 500+ considered
Usually strong credit required
Speed
As little as 24 hours if qualified
Often several weeks
Credit check to start
Soft pull
Hard pull common

Ready to grow your station?

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

Apply for Funding
Apply NowCall