PETROMAC - We Pump Capital Into YOUR C-Store


If You Are Looking Petroleum Jobber Loans, Make Sure You Deal With Industry Professionals That Know All Areas of Petroleum Retail.

If you are a jobber or a multiple unit operator and you are looking for petroleum jobber financing you probably know some of the challenges you face. Even though the credit markets have thawed out a bit, the days of getting 100% financing through lenders years ago are long goneā€¦ and good riddance! Conservative petroleum jobbers stayed in business and the ones that aggressively expanded faced the reality of shrinking throughput due to increases in fuel prices and shrinking capital.

Years ago, many jobbers had lines of credit available with smaller banks or regional banks which allowed them to expand and make acquisitions, restructuring of debts and equipment purchases. In past years, many of the nationwide banks have shed a lot of gas stations and convenience stores from their portfolios. The sad thing is, there have been many good, solid transactions in the market with excellent buyers / borrowers and there just were few options available. Even worse is when lenders called performing loans. Imagine you've made all payments on time. Imagine you've deposited tens of millions of dollars into a banks coffers, only to get a demand notice that your note was due. Nice.

Transactions are still being done. The make sense deals are still being done. The advances just are not as high (usually maximum 75% real estate / equipment ONLY, no good will) and the length of time to underwrite is usually longer than what people were accustomed to years ago. Laws from regulatory agencies are stricter now. Banks have to keep more money in reserve to lend than in previous years. In layman's terms, which this means is, the bank can lend out less capital with the same amount of money in reserve, meaning logically they will be more choosy on the projects they will lend on. Petroleum properties have never been and will never be on the top of the most desired properties to lend.

In some respects, many of the same types of financing are available now that were years ago with the exception of Commercial Mortgage Backed Securities (CMBS) instruments. It was this type of financing that led to a partial meltdown in the market place by making financing easy and plentiful.

Depending on the size of your company, the following type financing options are available:

SBA 7(a)
SBA 504
Dept Of Agriculture Rural Development B
Private / Hard Money / Bridge

Conventional can be defined as either institutional financing from a bank, insurance company, syndicate or other types. There really are no lenders today that do conventional financing on a nationwide platform, at least in the sense where they specialize in petroleum financing.

Because people on the PetroMAC team are former jobber or oil company executives or former petroleum lenders, we know about ALL facets of C&G and are qualified to advise in all areas, not only financing, but operations and merger and acquisition activities.

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

  1. PetroMAC Loan Request Form (You can also submit online here)
  2. Completed Tri-Merged Credit Report or Credit Authorization
  3. 2013 Business Financials (Seller / Borrower, if available)
  4. 2014 Year-To-Date Business Financials (Seller / Borrower, if available)
  5. Last Three Years Fuel Gallonage (Seller / Borrower)

So what are you waiting for? You can convenienently apply online 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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Frequently Asked Questions about
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