Gas stations

Gas station loans

We have lent on more than 10 gas station properties. Purchase, refinance and remodel financing from a lender that understands the asset.

Who it’s for

  • Investors and operators buying a gas station property
  • Owners refinancing or pulling equity for a business purpose
  • Remodels and rebuilds of existing stations

What we look at

  • The property and location
  • Environmental reports and site history
  • Your equity or down payment
  • Your exit: sale or refinance

Loans from $50,000 to $35 million. Rates generally 9% to 14%, with most loans priced 12% to 14%, and typically 3 to 4 points. Loan-to-value and overall risk drive the rate and points.

Where we lend

Residential investment property in Nevada, including Las Vegas, Henderson, Pahrump, Mesquite and Reno, and in Arizona. Commercial property in Nevada, Arizona and many other states.

Business-purpose loans on investment and commercial property only. We do not offer owner-occupied or personal loans.

What to have ready

  • Purchase contract, or the current loan balance for a refinance
  • Property details and current photos
  • Scope of work and budget for any rehab or construction
  • LLC or entity documents for the borrowing entity
  • Recent bank statements showing your down payment or reserves
  • A government-issued ID for each signer

How it works

  1. 1

    Tell us about the deal

    Apply online or call. Share the property, the amount you need and your plan.

  2. 2

    Get terms

    A local loan officer reviews the property, your equity or down payment and your exit, then walks you through terms.

  3. 3

    Close through escrow

    Sign your documents and close through a title and escrow company.

  4. 4

    Servicing

    Your loan is serviced by a bonded and insured servicing company that collects payments and handles payoff figures.

Common questions

Do environmental issues stop the loan?

Not always. We review the environmental reports and site history to understand the risk.

Do you lend on gas stations outside Nevada?

Yes, as commercial property in many states. Call to confirm your location.

Can you close quickly?

Decisions are made locally, and timelines depend mainly on title, escrow and environmental reports.

Have a gas stations deal?

Talk with a local loan officer today. Se habla español.