Merchant Fund Express
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Inventory Funding for Gas Stations

Pay for fuel loads and keep coolers and shelves full at the same time. Apply in 5 minutes with about three months of bank statements.

Fund My Inventory

Gas Station Inventory Funding

Keep the tanks and the coolers full

Fuel bills can crowd out store stock. Inventory capital from $25,000 to $5,000,000 lets you cover both, so customers find what they came for.

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.

Inventory funding for fuel and store

Quick, document-light process

Apply in 5 minutes with about three months of statements. Qualified stations can be funded in as little as 24 hours.

Room on credit

FICO 500+ is considered. We start with a soft pull that does not affect your score.

Total cost shown up front

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

Repayment you can see coming

The repayment schedule is laid out in your offer up front, so you can plan around delivery days.

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.

Two kinds of inventory, one bank account

A gas station carries two very different inventories. Fuel is the big-ticket one: a single delivery can be one of the largest bills you pay all month, and it has to be paid quickly. Then there is the store: drinks, snacks, tobacco, lottery supplies, auto basics and, at many stations, a hot food or coffee program. Both have to stay stocked for the business to work, and both compete for the same cash.

Where inventory funding helps

Do not let fuel starve the store

When fuel prices jump, the fuel bill grows and the store often gets whatever cash is left. Empty cooler doors and gaps on the shelves cost you the higher-margin sales that help a station stay profitable. Funding gives you room to pay for fuel and keep the store fully stocked at the same time.

A simple habit helps: review store sales by category every few weeks. Restock the items that move first, trim the ones that sit, and use that data to size your next inventory request.

Products that suit station inventory

A business line of credit is a natural fit for repeated purchases, since you draw when a delivery is due. Working capital suits a single larger buy. Revenue-based financing ties payments to your sales, which some owners like when volume shifts with the seasons.

What we look at

We review about three months of business bank statements, which show us your fuel and store deposits together. No tax returns are required. FICO scores of 500 and up are considered, and we start with a soft credit pull. Funding ranges from $25,000 to $5,000,000; the amount depends mainly on your deposits and existing obligations. Qualified businesses can be funded in as little as 24 hours.

Your offer shows the full repayment amount and the repayment schedule before you accept. Apply in 5 minutes. If you want to see how qualification works first, visit our page on how gas stations qualify.

Frequently Asked Questions

Can I use inventory funding to pay for fuel?

Yes. Covering fuel loads is one of the most common uses for station owners.

Can I fund store inventory and fuel at the same time?

Yes. Many owners request enough to handle both, so neither side runs short.

How much can a gas station get for inventory?

Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.

What documents do I need?

About three months of business bank statements and a 5-minute application. Tax returns are not required.

How fast can funds arrive?

Qualified businesses can be funded in as little as 24 hours.

Can I apply as a sole proprietor?

Yes. Sole proprietors can apply.

Fuel load $55,000.00
Cooler restock $14,000.00
Food program $23,000.00
Bulk snack buy $9,800.00

Example uses for illustration only.

How to improve your chances

These steps help an inventory request go smoothly.

  • Track which store items sell fastest each season
  • Keep fuel and store deposits in one business account
  • Have supplier invoices or quotes ready
  • Note any existing financing on your application

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Funding time
As little as 24 hours if qualified
Often weeks
Paperwork
About 3 months of statements
Tax returns, financials, more
Credit
FICO 500+ considered
Higher scores often expected
Amounts
$25,000 to $5,000,000
Limited by collateral
Starting check
Soft credit pull
Hard inquiry common

Stock up before the next rush

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

Apply for Funding
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