Orchardshore Advances matches gas station and convenience store financing requests from Cleburne, Texas operators with funding partners. This page covers store equipment and stock, fuel supply agreements, buying a station, seller financing, underground tanks and buying a store without fuel.
At a glance
- Gasoline stations, Johnson County, TX
62, with 597 employees (CBP 2023)
- Gas stations with convenience stores
57 (NAICS 447110, CBP 2023)
- Standalone convenience stores
23 (NAICS 445120, CBP 2023)
Convenience Store Business Loans for Coolers, Shelving and Stock
Inside the store, the purchases are walk-in coolers and reach-in doors, shelving, food service equipment, point-of-sale systems and security cameras, plus the stock on the shelves. Equipment secures its own financing; stock fits inventory financing or a line of credit.
County Business Patterns counted 62 gasoline stations with paid employees in Johnson County, TX in 2023, with 597 employees and $15.3 million in payroll; 57 of them were stations with convenience stores. The county also had 23 standalone convenience stores. Together that is 85 fuel and convenience employers (our sum).
How to Get Funding for a Gas Station: Fuel Supply Agreements and Site Records
A station's fuel supply agreement with its distributor or brand sets fuel pricing, volume commitments and any brand incentives that must be repaid if the agreement ends early. Partners read it closely, along with monthly fuel gallons and in-store sales, because fuel and merchandise earn very differently. Bring the agreement, a year of gallons by month and store sales reports.
Buying a Gas Station in Johnson County, TX: Fuel Volumes, Tanks and the Store
Buying a running station means valuing three things: the fuel business (gallons and margin per gallon), the store (sales and margin), and the real estate if it is included. Partners want the seller's tax returns, fuel and store sales reports, the supply agreement, the tank records and an environmental report on the site.
- Three years of tax returns and monthly fuel gallons.
- Store sales by category and the inventory count.
- The fuel supply agreement and any brand incentive terms.
- Tank registration, testing and compliance records.
- An environmental site assessment if the property is part of the sale.
A Business Loan to Buy a Gas Station vs Seller Financing
A seller who carries part of the price as a note shows confidence in the station and reduces what a partner needs to fund. Partners will want the seller note's terms and whether it is subordinate to their loan. Comparing a larger loan with a seller note on total cost and schedule is part of pricing the deal.
Getting a Loan for a Gas Station With Underground Tanks
Underground storage tanks bring environmental questions a partner will not skip: tank age and construction, leak detection and testing records, and whether the site has any history of releases. Partners may ask for a Phase I environmental site assessment when property is involved. Tank compliance is regulated; confirm the current requirements with the state environmental agency.
How to Buy a Convenience Store Business Without Fuel Pumps
A standalone convenience store avoids tanks and fuel agreements and is valued on store sales and margin alone. Partners read sales by category, the lease, the equipment's condition and any licenses for products the store sells. Inventory at closing can be counted and paid for separately.
A Cooler Wall Financed Over Five Years, With Invented Figures
Illustration only, invented figures: a station replaces its walk-in cooler and reach-in doors for $46,000. Spread over 60 months at an annual rate of 10%, the payment is about $977 a month (our arithmetic, fees excluded), which the operator weighs against lower power bills and the beverage sales a working cooler protects.
Food Service, Car Washes and Other Add-Ons
Some stations add a food counter, a car wash or an air and vacuum island to lift in-store and non-fuel sales. Each is a separate equipment and build-out decision with its own permits. Partners read add-ons on what similar sales look like at the station today and on the cost to install, and a car wash in particular brings water and equipment costs worth pricing in full.
Splitting the funding, equipment financing for the wash or kitchen equipment and a term loan for construction, keeps each piece on a schedule suited to its life. Ask the fuel supplier first whether brand programs help with store or canopy improvements, since that changes how much the request needs to cover.
Grocery, Building Supply and Other Retail Nearby
Fuel and convenience sit within the county's 440 retail employers (CBP 2023). The retail page covers grocers, supply dealers and storefronts, and inventory financing covers stock across all of them.
By Orchardshore Advances · Updated