Merchant Fund Express
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Merchant Cash Advance for Gas Stations

Cash for fuel loads, store inventory, and repairs, based on your station's deposits. FICO 500+ considered. No tax returns.

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Merchant Cash Advance

Keep the pumps and the store running

A merchant cash advance gives your station a lump sum based on sales, so a big fuel delivery or a broken cooler does not drain your operating cash.

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 stations use an MCA

Fast decisions, few documents

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

Credit history is not the whole story

FICO 500+ is considered. Your deposit pattern carries real weight.

Total payback shown before you sign

The offer shows your full repayment amount up front, with no surprise costs after you sign.

Repayment laid out in advance

Your repayment schedule is spelled out in the offer, so there are no guesses later.

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.

Fuel stations move a lot of money, but margins are thin

A gas station can run serious volume through its bank account and still feel tight on cash. Fuel loads have to be paid for, the c-store side needs stock, and something with a pump, a canopy light, or a cooler always seems to break at the wrong time. A merchant cash advance gives you a lump sum based on your sales, so you can handle those costs without waiting on a bank.

We focus on established stations with steady deposits. Branded or independent, single site or a couple of locations, the conversation starts with your bank statements.

Common uses at the station

Repairs are their own topic. Our gas station equipment repair funding page walks through it.

How we size an advance

The amount depends mainly on your deposits and your existing obligations. Fuel stations often show high gross deposits, so we also look at the pattern: how steady the weeks are, whether there are overdrafts, and what is already being paid out. We ask for about three months of business bank statements and a 5-minute application. The first step is a soft credit pull, FICO 500+ is considered, and no tax returns are required.

To see how funders weigh things like time in business and credit, read qualifying as a gas station.

A quick example from the forecourt

For illustration: a two-island station heads into a holiday weekend with fuel prices rising. The supplier wants payment on a larger load, the store needs extra ice and drinks, and one dispenser is throwing errors. Instead of choosing which problem to leave unsolved, the owner uses an advance to cover all three and repays from sales as the weekend traffic comes through. Your situation will differ, but the idea is the same: keep the station fully open when demand is highest.

Know the full cost before you accept

Your offer lays out the full repayment amount and the repayment schedule before you sign. There are no surprise costs after you sign. If you would rather draw funds as needed, compare it with a business line of credit for gas stations. When you are ready, apply in about 5 minutes.

Frequently Asked Questions

Can a gas station with high volume but thin margins qualify for a merchant cash advance?

Funders look at deposit patterns and existing obligations, not just gross volume. Steady deposits help, and the offer is sized to what your account supports.

What do I need to apply?

A 5-minute application and about three months of business bank statements. No tax returns are required.

Does my credit have to be strong?

No. FICO 500+ is considered, and we start with a soft credit pull.

How fast can a gas station get funded?

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

How much can I get?

Funding runs from $25,000 to $5,000,000, depending mainly on your deposits and what you already owe.

Fuel load $40,000.00
Store restock $22,000.00
Dispenser repair $35,000.00
Lot resurfacing $65,000.00

Example uses for illustration only.

How to improve your chances

Stations that prep a little before applying usually move through the process faster.

  • Run fuel and store sales into one business account
  • Keep the account free of overdrafts
  • Pull your last three months of statements
  • List any current advances or loans you carry

How we compare to a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns and financials
Credit considered
FICO 500+
Often 680+ expected
Funding speed
As little as 24 hours if qualified
Weeks to months
First credit check
Soft pull
Hard pull
Sole proprietors
Can apply
Often harder

Get cash moving for your station

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

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