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Commercial Loans for Convenience Stores & C-Stores

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A Better Way To Get Your Convenience Store Commercial Loan

Our proprietary Commercial Real Estate Lending Platform (CRELP) standardizes and simplifies the commercial real estate loan process allowing us to quickly compare different loan programs and platforms for c-stores and convenience stores across our lending network providing you with convenience store commercial loans that meet your individual needs and objectives with the most competitive rate and terms.


Commercial real estate loans for convenience store are available for the purchase or 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 Mortgages - Eligible Property Types


Crefcoa provides convenience store mortgages 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 c-stores
  • Owner-operator or investor properties
  • Convenience with limited food service
  • 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.


General Terms For Commercial Real Estate Loans For Convenience Stores


  • Minimum c-store loan size is $500,000
  • Loan collateralized by commercial real estate - no business only financing
  • Acquisition or refinance of stabilized convenience stores
  • Bank, SBA, and conventional financing available
  • 3-20 year fixed rates
  • 15, 20, 25, & 30 Year amortizations
  • Flexible prepay options
  • 65%-85% LTV
  • Minimum 660 Credit Score
  • 3 years of stabilized operating history required
  • Startups allowed for qualified operators through SBA loans


Required Documents For Convenience Store Loans


  • 3 years business tax returns
  • 3 years individual 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, or request a quote.


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Commercial real estate loans may not be available in all locations. Eligible property types, loan programs and program guidelines (including, without limit, minimum loan size, LTV, rates and terms) are subject to change without notice and may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk. Information provided is not an offer to make a loan and should be used for informational purposes only.