Retail Trade
SBA Lenders for Gas Stations
Top lenders ranked by real SBA lending data for gas stations nationwide.
What Borrowers Should Know
Gas station loans carry a 48-basis-point pricing advantage compared to the national median 7(a) spread. At P+2.27% versus the typical P+2.75%, you could save roughly $6,000 annually on a $1.25M loan—a meaningful difference for an industry with historically thin margins.
California dominates with 1,976 deals (68% of all gas station SBA loans), while the next four states combined account for only 738 deals. If you're operating outside CA, FL, AZ, CO, or AL, you'll face a less developed lending ecosystem with fewer lenders specializing in your market—expect slower approvals and potentially less competitive terms.
The top 5 lenders (Columbia, Celtic, Commonwealth, Open, Bank of Hope) control roughly 804 of the 2,923 deals (27%). While this concentration suggests established expertise in gas station lending, it also means 386 active lenders are competing for a mature market. You have real choice, but only if you qualify for the specialists—many smaller lenders may decline or impose stricter collateral requirements.
Total SBA Loans
11,178
Active Lenders
1,141
Avg Deal Size
$979K
Total Volume
$10.9B
Gas Stations SBA loans average $979K in deal size across 11,178 total loans. The median 7(a) spread in this segment is P + 2.24%.
Top Lenders for Gas Stations
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | Celtic Bank Corporation | Bank | 416 | $1.4M | P + 2.52%AVERAGE | |
| 2 | Columbia Bank | Bank | 410 | $929K | P + 2.70%AVERAGE | |
| 3 | Metro City Bank | Bank | 336 | $1.2M | P + 1.76%GOOD | |
| 4 | Commonwealth Business Bank | Bank | 306 | $1.4M | P + 1.71%GOOD | |
| 5 | Wallis Bank | Bank | 288 | $1.3M | P + 2.00%GOOD | |
| 6 | Bank of Hope | Bank | 284 | $1.2M | P + 2.25%GOOD | |
| 7 | Byline Bank | Bank | 278 | $990K | P + 2.70%AVERAGE | |
| 8 | Hanmi Bank | Bank | 238 | $1.1M | P + 2.35%AVERAGE | |
| 9 | The Huntington National Bank | Bank | 216 | $725K | P + 2.41%AVERAGE | |
| 10 | Ameris Bank | Bank | 210 | $1.1M | P + 2.28%AVERAGE | |
| 11 | PCB Bank | Bank | 203 | $1.6M | P + 1.78%GOOD | |
| 12 | Open Bank | Bank | 198 | $1.6M | P + 1.61%GOOD | |
| 13 | Wells Fargo Bank National Association | Bank | 162 | $893K | P + 2.94%ABOVE AVG | |
| 14 | Citizens Bank, National Association | Bank | 129 | $965K | P + 2.07%GOOD | |
| 15 | Bank Five Nine | Bank | 126 | $779K | P + 1.77%GOOD |
Top States for Gas Stations
Where gas stations SBA lending is most active.