PETROMAC - We Pump Capital Into YOUR C-Store


PetroMAC's Loan Products For Petroleum Marketers, C-Stores And Franchise Operators


Business Only Loan Program Highlights For Petroleum Properties And Businesses

Business only transactions are for operating who are purchasing or refinancing the actual value or goodwill of the business with no real estate involved.  Business only financing may involve the purchase of machinery and equipment.  This is usually done with SBA loans. Even though the loan amounts are typically smaller than those backed by real estate, they usually require better cash flow and better qualified borrowers because of higher default rates due to the lack of collateral.

Types Of Financing:

Acquisition (Going concern and equipment)
Leasehold Improvements
Machinery And Equipment
Working Capital

Loan Amounts:

$250,000 - $1,000,000


5,7, or 10 Years for Good Will, Machinery & Equipment or Working Capital

Interest Rate:

Prime + 1.75% - 2.75%

Loan To Value:

40 - 70%

Prepayment Penalties:

1st Year 5%, 2nd Year 3%, 3rd Year 1%


None To Minimal Lender Fees
Due Diligence Deposit
Customary Closing Costs
Construction Fee, if applicable, to offset monitoring costs
SBA Charges A Fee Of Approximately 3.5% (depending on loan amount and percentage of guarantee, usually 80%)


Owner Occupied Small Business
US Citizen Or Permanent Resident Alien Status
Good Credit / Character
Management Experience In Industry Or Related Industry
Reasonable Financial Statement Or Credible Projections
Business Must Meet SBA Size Standards


First lien on machinery, equipment and inventory.                                                                   Additional outside collateral may be necessary if leasehold improvements are substantial. 

Underwriting Timeline:

Loan decision usually made within three weeks of receipt of all requested documentation.

Business only transactions are typically more difficult to have approved because of the lack of collateral involved.  There are very few lenders that do business only financing for gas stations.  In recent years, more emphasis has been placed on lending to borrowers with verifiable direct experience in the industry.  Borrowed equity from other sources or from home equity loans typically will make loan approval more problematic.  Expect to pledge additional collateral if collateral is available.

To prequalify for financing, download the following forms and provide the following information and fax to (202) 478-1811 or email to

  1. Completed Tri-Merged Credit Report or Credit Authorization
  2. Last Three Years Business Financials (Seller / Borrower, if available)
  3. Year-To-Date Business Financials (Seller / Borrower, if available)
  4. Last Three Years Fuel Gallonage (Seller / Borrower)

So what are you waiting for? You can conveniently apply for a loan here or download the prequalification form here.  First time inquiries should inquire at  Let us prove to you that PetroMAC truly "pumps capital into YOUR C-store."




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