Merchant Fund Express
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Revenue-Based Financing for Gas Stations

Funding sized around your station's real deposits. Soft credit pull, FICO 500+ considered, no tax returns, 5-minute application.

See My Offer

Revenue-Based Financing

Sized to how your station actually performs

Fuel volume looks big and margins are thin. Revenue-based financing looks at your actual deposits and obligations to size funding that fits.

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 choose revenue-based funding

Light paperwork, fast decisions

About three months of statements and a 5-minute application. Funding in as little as 24 hours if qualified.

Credit flexibility

FICO 500+ is considered. Deposits carry weight in the review.

Total repayment shown first

The offer shows your full repayment amount before you accept. No surprise costs after you sign.

A schedule set out up front

Your repayment schedule is laid out in the offer so you can plan.

Need capital this week?

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.

Funding that reads your deposits, not just your paperwork

Gas stations do not fit neatly into a bank's underwriting box. Gross deposits can look large while margins on fuel are slim, and the store side carries most of the profit. Revenue-based financing starts from the money that actually flows through your account. That makes it a practical fit for established stations with steady deposits that want funding sized to how the business really performs.

How it differs from other station options

ProductHow it is usually structured
Revenue-based financingSized around recent revenue and deposits
Merchant cash advanceLump sum based on future sales
Equipment financingTied to a specific equipment purchase
Business line of creditDraw as needed from an available amount

Every offer, whichever product it is, shows the full repayment amount and schedule before you accept.

Where stations use it

Owners tend to reach for revenue-based financing when a need is real but does not fit a single equipment quote:

Thinking about growth? See gas station expansion funding.

What we need from you

About three months of business bank statements and a 5-minute application. We start with a soft credit pull, FICO 500+ is considered, and tax returns are not required. Sole proprietors can apply. The amount depends mainly on your deposits and existing obligations, with funding from $25,000 to $5,000,000.

For illustration: a station whose deposits are steady month to month and that carries few other obligations will usually be sized differently than one with sharp swings and an existing advance. Both can apply. The offer simply reflects what the account supports.

It also helps to know your own seasonality. Many stations see traffic rise with summer travel and holiday weekends and dip in colder months or during local construction. Applying with that pattern in mind lets you time funding for when it will do the most good.

Next step

Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Your offer will show the full repayment amount and repayment schedule up front, so there are no surprise costs after you sign. Apply in about 5 minutes.

Frequently Asked Questions

What is revenue-based financing for a gas station?

Funding sized around your station's recent revenue and deposits, rather than collateral or tax returns.

How is it different from a merchant cash advance?

Both rely on your sales history. We can walk you through which structure suits your station once we see your statements.

Do high fuel deposits mean I get more?

Not automatically. Funders look at deposit patterns and existing obligations, not just gross volume.

What credit score is needed?

FICO 500+ is considered, and we start with a soft credit pull.

How long does it take?

Decisions move fast, with funding in as little as 24 hours for qualified businesses.

Can I apply as a sole proprietor running one station?

Yes. Sole proprietors can apply, and single-location stations are welcome as long as deposits are steady.

Food counter $75,000.00
Summer stock-up $38,000.00
Canopy lighting $42,000.00
Store expansion $150,000.00

Example uses for illustration only.

How to improve your chances

A few habits make a station's revenue picture easier to read.

  • Deposit store and fuel sales consistently
  • Keep personal spending out of the business account
  • Have three months of statements ready
  • Be upfront about any existing financing

Revenue-based funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Basis
Deposits and obligations
Collateral, tax returns, credit
Credit
FICO 500+ considered
Strong credit expected
Tax returns
Not required
Required
Speed
As little as 24 hours if qualified
Weeks to months
Sole proprietors
Can apply
Often harder to approve

Put your station's revenue to work

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

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