Merchant Fund Express
(305) 384-8391Apply

Working Capital for Gas Stations

Cover fuel loads, payroll, and store stock between settlements. A 5-minute application, soft pull to start, no tax returns required.

See My Options

Working Capital

Breathing room between fuel bills and settlements

Fuel suppliers, payroll, and inventory all want paying before the week's sales clear. Working capital fills that gap so you can run the station without scrambling.

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.

What station owners get with us

Short application, few documents

Five minutes to apply plus about three months of bank statements. Funding in as little as 24 hours if qualified.

Flexible on credit

FICO 500+ is considered. Your station's deposit history matters too.

No surprise costs

Your full repayment amount is shown in the offer before you accept, with nothing added after you sign.

Repayment you can see coming

The repayment schedule is laid out in your offer up front.

Cash flow tight this month?

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.

The cash gap every station owner knows

You pay the fuel supplier on their schedule, not yours. Card settlements take a day or two. Meanwhile payroll is due Friday and the beer cooler is half empty heading into a holiday weekend. That gap between money going out and money coming in is what working capital is for.

We provide working capital to established gas stations with steady deposits. The goal is simple: give you enough breathing room to run the station well without scrambling every time a large bill hits.

Where station owners put it to work

Owners tell us the same few pressure points come up again and again:

  1. Fuel purchases when prices move and loads cost more than planned.
  2. Payroll for cashiers and overnight staff during slower months. See gas station payroll funding.
  3. Inventory for the store side, from snacks to automotive supplies.
  4. Seasonal dips when traffic drops after summer travel. Our slow season funding page covers this.

What the process looks like

Start with a 5-minute application and about three months of business bank statements. We run a soft credit pull to begin, consider FICO scores of 500 and up, and do not require tax returns. Sole proprietors can apply.

We review how your deposits come in and what obligations you already carry. Those two things drive most of the decision on how much you can receive. Funding ranges from $25,000 to $5,000,000, and for qualified businesses it can land in as little as 24 hours.

Signs it may be time to add working capital

Owners usually feel it before they name it. You delay a store order because the fuel invoice is due. You run lean on staff during a shift that should be busy. You skip a small repair and it becomes a big one. If any of that sounds familiar, steady working capital can let you make decisions based on what the station needs, not on which bill is due first. If an unexpected hit is what started this, the gas station emergency funding page may help.

An offer you can read before you accept

Each offer shows the full repayment amount and the repayment schedule up front. No surprise costs after you sign. Compare it with a merchant cash advance for gas stations if you want repayment tied more closely to sales. Ready to see your numbers? Apply now.

Frequently Asked Questions

What counts as working capital for a gas station?

It is money to cover day-to-day operating costs like fuel purchases, payroll, store inventory, and utilities while you wait on sales to settle.

Do you look at fuel sales and store sales separately?

We review your business bank deposits as a whole and look at how steady they are, along with what you already owe.

Will applying hurt my credit?

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

What paperwork do you need?

About three months of business bank statements and a 5-minute application. No tax returns.

Can I get working capital for a single-location independent station?

Yes. We work with established stations of all sizes that have steady deposits.

Fuel purchase $50,000.00
Payroll cover $18,000.00
Snack restock $14,000.00
Utility catch-up $9,500.00

Example uses for illustration only.

How to improve your chances

These steps help a station's application read clearly.

  • Deposit all card and cash sales in the business account
  • Limit overdrafts and returned items
  • Gather three months of recent statements
  • Write down balances on any current financing

Working capital: us vs. a bank

Merchant Fund Express
Traditional bank loans
What we review
Deposits and obligations
Tax returns, collateral, history
Credit
FICO 500+ considered
Higher scores usually needed
Timing
As little as 24 hours if qualified
Weeks or longer
Tax returns
Not required
Usually required
Starting credit pull
Soft
Hard

Take the pressure off this week's bills

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

Apply for Funding
Apply NowCall