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Georgia Convenience Store and Gas Station Loan & Financing Options From Georgia-Based Community Banks.

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Construction Financing

Constructions loans, unlike standard term loans, have two components: The construction phase and the permanent financing phase. Both components are critical in the short and long-term success of your business. Our advisers are current and former lenders - learn more about this process and what banks look for from our expert advisers.

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Equipment Financing

Lease or Buy? Learn more about the advantages and disadvantages of financing your equipment purchases through popular leasing and traditional loan options. You may surprised at the true cost of financing your equipment purchase.

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Inventory and Operating Capital

If gas prices spiked overnight due to a natural disaster, do you have enough working capital to refill your tanks at double or triple the current cost? How are you currently paying for inventory? Get a free cash conversion analysis from one of our friendly advisors.

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The Pros and Cons of Small Business Administration (SBA) Business Loans

Pros:

  • Lends comfort to lenders who otherwise wouldn't do the loan
  • Longer terms and less money down than conventional loans
  • No balloon payments
  • Loan payments can typically be lower

Cons:

  • Higher rates and fees than traditional bank loans
  • More paperwork and time invested by the applicant
  • Typically requires a personal guarantee
  • Prepayment penalty
  • You still have to have good credit

What are lenders looking for?

The c-store and gas station loan world can be fluid. Our advisers keep track of banking appetites and who's "open for business".

  • Property quality
  • Borrower experience, equity and liquidity
  • Loan-to-value (LTV)
  • Financial and occupancy trends of the property
  • Infrastructure quality, such as asphalt, utilities, roofs, etc.
  • Property owner's personal credit history
  • Size and structure of the deal

Questions about financing options for your station?

Our advisers can help you navigate the c-store lending market here in Georgia. Whether SBA or a conventional loan, we can help. Contact us today.