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NAICS 447110 · Retail
SBA loans for gasoline stations with convenience stores
9,734 SBA loans worth $10.01B have been approved in this industry since FY2010 - the #19 most-financed NAICS code in the country.
Median loan
$788,400
+338% vs all industries
Typical range
$140K-$2.2M
Middle 80%
Median rate
5.75%
7(a) initial note rate
Median term
25 yr
Charge-off rate
3.9%
vs 7.6% all industries
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Celtic Bank Corporation | 414 | $592.4M | |
| Commonwealth Business Bank | 302 | $412.2M | |
| Metro City Bank | 337 | $397.6M | |
| Columbia Bank | 420 | $387.4M | |
| Wallis Bank | 283 | $386.0M | |
| PCB Bank | 205 | $328.9M | |
| Bank of Hope | 281 | $322.4M | |
| Open Bank | 195 | $315.9M | |
| The Huntington National Bank | 315 | $273.3M | |
| Hanmi Bank | 237 | $270.8M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 1,762 | |
| Texas | 1,660 | |
| Georgia | 886 | |
| Washington | 704 | |
| Wisconsin | 424 | |
| Illinois | 421 | |
| Indiana | 251 | |
| Minnesota | 240 |
An SBA 7(a) lender for loans this size
22% of the SBA loans approved in gasoline stations with convenience stores since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K3%
- $50K - $150K7%
- $150K - $350K12%
- $350K - $1M38%
- $1M - $2M26%
- Over $2M13%
Franchise brands in Gasoline Stations with Convenience Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Chevron | 309 | $486.9M | |
| Shell Service Station | 172 | $209.5M | |
| Am | 80 | $231.6M | |
| Ampm Mini Market- Arco | 78 | $161.0M | |
| Valero | 70 | $74.0M | |
| U.S. Oil Retailer Supply Agreement | 64 | $61.5M | |
| Sunoco, LLC Fuel Supply Agreement | 58 | $83.8M | |
| Exxon | 56 | $64.5M | |
| Circle K | 52 | $94.1M | |
| Mobil Oil | 52 | $53.6M |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
Common questions
- How much do SBA lenders typically lend to a gasoline stations with convenience stores business?
- The median SBA approval in NAICS 447110 is $788,400, with the middle 80% of loans between $140,000 and $2,229,000. Across all industries the median is $180,000.
- Which lenders are most active in gasoline stations with convenience stores?
- By dollars approved: Celtic Bank Corporation, Commonwealth Business Bank, Metro City Bank, Columbia Bank, Wallis Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is gasoline stations with convenience stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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