Merchant Fund Express
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Slow-Season Funding for Gas Stations

Keep fuel, staff and shelves covered when traffic drops off. Apply in 5 minutes with about three months of bank statements.

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Gas Station Seasonal Capital

Hold steady through the quiet stretch

Seasonal stations still pay full price for lights, coolers and core staff. Capital from $25,000 to $5,000,000 bridges the months between busy seasons.

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.

Seasonal funding without the hassle

Short application, few documents

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

Credit flexibility

FICO 500 and up is considered, and we begin with a soft pull that does not touch your score.

Costs shown before you sign

Your offer lists the full repayment amount before you accept. No surprise costs after you sign.

Repayment laid out in advance

The repayment schedule appears in your offer up front, so you can plan it around your seasonal pattern.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

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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.

Traffic changes with the calendar

Not every station sees steady traffic all year. A station near a lake, a beach or a ski area may do most of its business in a few months. A highway stop can slow when travel season ends. A station near a school or plant feels breaks and shutdowns. Bad weather keeps drivers home. Whatever the pattern, the lease, the utilities and the staff schedule do not shrink to match.

What slow months cost a station

Use the quiet months well

Slow-season capital is not just about survival. Many owners use the lull to get ready for the next busy stretch: servicing pumps, refreshing the store layout, adding a hot food or coffee program, or building up stock of fast sellers. Having cash on hand during the quiet months means those projects actually get done. Contractors and service techs are often easier to schedule when everyone else is slow, too, so the timing can work in your favor.

Products that fit seasonal stations

A business line of credit works well when you want to draw a little at a time through the slow stretch. Working capital fits a known gap. A merchant cash advance is repaid from future card sales. Not sure which? Our line of credit vs. merchant cash advance guide breaks it down.

How we evaluate seasonal businesses

We review about three months of business bank statements. If those months show your slow stretch, send them as they are; we want an honest picture of your deposits. No tax returns are required, we start with a soft credit pull, and FICO scores of 500 and up are considered. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept.

Apply in about 5 minutes.

Frequently Asked Questions

Can I apply during my slowest month?

Yes. Your offer is based on the deposit history you send, including slower months.

Is it better to apply before the slow season?

Often, yes. Applying while stronger months still appear on your statements can give you more to work with.

How much can a gas station get?

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

What can I use slow-season funding for?

Fuel orders, payroll, store inventory, maintenance and upgrades are all common uses.

Do you require tax returns?

No. About three months of business bank statements and a short application are what we need.

Will a soft credit pull show up for other lenders?

A soft pull does not affect your credit score. It lets us start the review without the impact of a hard inquiry.

Fuel order $45,000.00
Core staff wages $22,000.00
Pump service $14,000.00
Coffee program $19,500.00

Example uses for illustration only.

How to improve your chances

These steps help a seasonal station put its best file forward.

  • Apply before the slowest months hit your statements
  • Keep a running list of fuel and payroll due dates
  • Use quiet months to plan upgrades for the busy season
  • Keep all station deposits in one business account

Seasonal funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
View of slow months
Full deposit history reviewed
Dips can stall approval
Documents
About 3 months of statements
Tax returns and statements
Credit
FICO 500+ considered
Often stricter
Credit check
Soft pull to start
Hard pull is common
Speed
As little as 24 hours if qualified
Several weeks is common

Be ready when traffic comes back

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

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