Funding partners review each request and decide.
Coolers, ice machines, coffee equipment and registers fit equipment financing; store stock fits inventory financing or a credit line; buying an existing station business fits a term loan. Fuel equipment, the land and the building are outside this site.
At a glance
- Gasoline stations, Lincoln County, NE (CBP 2023)
30
- Their annual payroll, Lincoln County, NE (CBP 2023)
$10.1 million
- Gasoline stations with fewer than five employees (CBP 2023)
5
- Gasoline stations, ZIP 69101 addresses (ZBP 2023)
18
Gas Station Financing for a North Platte, NE Gas Station: POS Systems and Supplier Terms
Gas station financing on this site means the store and the business: the registers, the scanners and the card terminals at the counter, the coolers and shelves, the stock, and the cash to pay suppliers on their schedule. The equipment at the fuel islands belongs to the fueling setup, which is site work outside this site.
Illustration only, invented figures: a station store replaces two old registers with a POS system, two scanners and a back-office computer for $12,400. At an 11% annual rate for 36 months, each payment would be $405.96, with $2,214.56 of interest paid across the term.
Supplier terms are the other half of the heading. A snack or drink distributor can ask for payment on delivery or give a short net term, and the store pays the next order before the last one has sold through. A business line of credit or working capital can cover the gap between paying for an order and selling it.
Payroll is a real cost line at Lincoln County, NE stations: the 30 establishments under Gasoline Stations (NAICS 4471) paid $10.1 million in annual payroll in 2023, about $335,500 per establishment by our arithmetic (County Business Patterns).
How to Buy a Gas Station Business? An Example With the Store's Shelf Stock
Buying a gas station business starts with separating what is for sale. The business is the name, the store equipment, the supplier accounts and the stock on the shelves. The land, the building and the fueling setup are property and site work, which this site does not cover; a buyer can lease the site from its owner and buy the business on its own.
- Agree on a price for the business, for example $210,000 for the store equipment, the name and the accounts.
- Count the shelf stock at closing, for example $48,600 at cost, and price it apart from the business.
- Gather the seller's sales reports and tax returns for the store, plus the lease terms for the site.
- Phone Pineline, or open the request form, which asks for contact details and three ranges; the deal itself is talked through on the call.
- A funding partner reviews the purchase and, if it makes an offer, sets the terms and the paperwork it needs.
Illustration only, invented figures: with $21,000 down, the other $189,000 of the business price over 120 months at 10.25% is $2,523.89 a month on a term loan. The $48,600 of stock, financed over 12 months at 12%, is a separate $4,318.05 payment that ends once the shelves have turned over.
Commercial Loan for Gas Station: Ice Machines and Store Inventory
An ice machine with a bagger and a freezer merchandiser by the door is store equipment, the same as a cooler. Store inventory, from drinks and snacks to car-care products, is stock that sells and gets reordered, which is what inventory financing and credit lines are built for.
Illustration only, invented figures: an ice machine, bagger and merchandiser for $9,750 over 48 months at 10.75% cost $250.81 a month, $12,038.88 in all.
Owner-only operations are a separate program. In Lincoln County, NE, 2024 Nonemployer Statistics listed 4 businesses with no paid employees under Gasoline Stations and Fuel Dealers (NAICS 457).
Business Loan for Convenience Store: Reach-In Coolers and New Shelving
Glass-door reach-in coolers are the wall a convenience store sells from, and replacing them can be the center of a new fixture package. On this site that package means what goes into the store: coolers, shelving, merchandisers, a camera kit and the counter. A store remodel, the floor, the lighting, the building shell and anything outside it are property work outside this site.
| Item | Invented cost |
|---|---|
| Glass-door reach-in coolers, six doors | $26,400 |
| Gondola shelving and end caps | $11,800 |
| Grab-and-go merchandisers inside the store | $7,300 |
| New checkout counter | $6,900 |
| Security camera kit and a freestanding sign | $9,600 |
The package totals $62,000. A partner can finance it as one package over 72 months at 10.5%, which is $1,164.30 a month, or split the coolers off as equipment financing on their own schedule.
Counted by ZIP rather than county, addresses in ZIP 69101 held 18 gasoline station establishments in the 2023 ZIP Code Business Patterns.
How to Get a Loan for a Gas Station? An Example With Coffee and Roller-Grill Equipment
Getting a loan for a gas station begins with the purchase, priced. Coffee brewers, a cappuccino machine, a roller grill and a heated display case make up one food-counter package, and the dealer quote is the first paper a partner can ask for.
Illustration only, invented figures: $8,600 of coffee and roller-grill equipment over 36 months at 11.5% runs $283.59 a month. Next come recent bank statements and the store's sales reports, a call to talk through the amount, and a partner's review of the request.
Stations in the county run with staff. Only 5 of the 30 establishments under Gasoline Stations (NAICS 4471) had fewer than five employees in 2023, or 16.7% (County Business Patterns).
Can You Get a Loan for a Gas Station? An Example With POS Systems
Yes, a station owner can ask funding partners for money for the business side: store equipment, shelving and fixtures, stock or the purchase of the business. Each partner decides for itself whether to make an offer and on what terms. What this site does not cover is the fueling setup, the land and the building.
Illustration only, invented figures: a station adds a second register lane with a POS terminal, a scanner scale and a cash drawer for $6,900, financed over 24 months at 12%. The payment is $324.81, and the store pays $7,795.44 over the two years.
A convenience store without fuel is counted elsewhere, with grocery and convenience stores under NAICS 4451, not with the stations. The industries hub has a note on grocers and car dealers, and the North Platte, NE page covers the city.
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