Typical funding range
$15,000 – $400,000 — that's the band most gas stations and c-stores in Texas fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Most funders require 12+ months operating, 6 months minimum
- Monthly revenue floor: $25,000 (account for the gross-vs-net distinction)
- Credit scores 550+ workable
- Fuel-price-spike-triggered NSFs need explanation — provide 12 months of statements with a note on your inside-sales margin
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for gas stations and c-stores in Texas happen in 2–4 hours once docs are complete.
- Last 3-6 months of business bank statements
- Voided business check
- Driver's license for the majority owner
- Industry-specific documentation (licensing, certifications) if applicable
The math
A typical gas stations and c-stores deal in Texas lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Should a Texas gas station MCA or finance tank/pump replacement?
- Equipment financing every time. A $150K tank replacement financed over 84 months at 9% APR is about $2,400/mo and totals roughly $200K. The same $150K as MCA at 1.30 factor over 12 months is $45,000 in fees (~48% APR-equivalent) — and the $750+ daily ACH destroys razor-thin fuel margins. UST deadlines are predictable; plan 90+ days ahead.
- How does fuel margin compression affect MCA underwriting in Texas?
- A station doing $200K/mo gross fuel might net only $8K-$15K from fuel (3-7% margin). Generalist underwriters look at gross deposits and quote big advances; actual servicing capacity is constrained by inside-sales margin. Funders that get the industry (Greenbox) understand this; generalists overprice or over-advance.
- Will MCA affect my lottery commission or fuel-jobber relationships?
- Indirectly, yes. State lottery commissions audit operators and look at business health. Fuel jobbers may cut credit lines if cash-flow stress shows. A high-balance MCA causing remittance delays or vendor disputes can trigger non-renewals. Keep balances conservative.