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Commercial Loans for Convenience Stores

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Commercial Mortgage Loans
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Convenience Store Loans - Commercial Loans for Convenience Stores, Mini Marts and Similar Property Types

Convenience Store Commercial Loans - C-Stores

Crefcoa offers convenience store loans and c-store mortgage loans as a part of its Flex-Series Commercial Loan, and Small Balance Plus Commercial Mortgage programs, including full document, stated income and limited document options.


Commercial convenience store loans are available for purchases and refinances of convenience stores consisting of both the business and real estate. Convenience store financing is not available for business only loan requests.


Convenience Store Financing - Eligible Property Types


Crefcoa provides convenience store financing for a variety of property types and structures including brand (franchise) and non-brand stores including:


  • Single Standalone Properties
  • Part of Multi-Unit Properties With Separate Parcel Ids
  • Drive Up or Drive Thru Properties
  • Franchise or Individual Non-Branded Stores
  • Owner-Occupied or Investor Properties
  • Convenience With Limited Food Service OK
  • Established Businesses Only - No Start Ups -


Convenience stores properties with gas stations are not eligible. Please see Crefcoa's gas station loans and gas station financing programs for information on properties with gas pumps and/or underground storage tanks.


  • Minimum Convenience Store Loan Size is $500,000
  • Loan Collateralized by Commercial Real Estate - No Business Only Financing
  • Acquisition or Refinance of Stabilized
    C-Store Properties
  • Minimum 660 Credit Score
  • 3, 5, 7, 10 Year Fixed Rates
  • 15, 20, 25, & 30 Year Amortizations
  • Flexible Prepay Options
  • 80% LTV - Subordinate Debt OK
  • 3 Years of Historical Income Req.
  • Low Minimum 1.40 DSCR


  • 3 Years Business Tax Returns
  • 3 Years Borrowers Tax Returns
  • Business Interim Financial Statements
  • AR/AP Schedule
  • Schedule of Inventory
  • FF&E Breakdown
  • Franchise Agreement if Applicable


To learn more about Crefcoa's Convenience Store Loans contact a commercial mortgage professional today.


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Commercial real estate loan availability -- including LTV, DSCR, and loan size -- may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk. Loan programs and program guidelines (including, without limit, fees, rates and features) are subject to change. Information provided is not an offer to make a loan and should be used for informational purposes only.