PETROMAC - We Pump Capital Into YOUR C-Store


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


SBA 504 Loan Program Highlights For Petroleum Properties And Businesses

The 504 program allows small and medium-size businesses to obtain long term, fixed-rate financing at below market rates for up to twenty years.  The SBA guaranteed debentures are pooled monthly and sold to private investors.

Projects Are Financed Per The Following Structure:

A private lending institution covers approximately 50% of the project cost.                                           A Certified Development Company (CDC) finances approximately 40% by issuing a bond debenture at fixed rate financing.                                                                                                                        The small business must invest at least 10% (15% for special purpose facility / 20% for special purpose and start-up businesses)

Types Of Financing:

Acquisition (Land And Buildings)
New Construction Or Renovation
Leasehold Improvements
Machinery And Equipment

Loan Amounts:

$750,000 - $5,000,000


20 Years Real Estate                                                                                                                  10 Years Machinery And Equipment                                                                                                

Interest Rate:

Prime + .5% - 2.75% variable from primary lender (Varies by credit risk)                                            CDC rates typically fixed at a rate significantly lower than prevailing rates.

Loan To Value:

70 - 80% (Gas stations / C-stores considered special use facility and usually have a maximum of 80% financing)

Prepayment Facilities:

There is a ten year pre-pay penalty. 10%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% (This applies to the fixed rate / CDC portion)


None To Minimal Lender Fees
Packaging Fee / Good Faith Deposit
Customary Closing Costs
Construction Fee, If Applicable, To Offset Monitoring Costs
SBA Charges A Fee Of Approximately 3% (Depending on the loan amount and percentage of guarantee)


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


First lien on land, building, equipment and inventory.  Personal guarantees of the principal owners are also required.  Additional outside collateral is necessary if lease-hold improvements are substantial.

Underwriting Timeline:

Loan decision is usually made within four weeks of receipt of all requested documentation.  Keep in mind, this is a two loan approval process, as the loan will be approved by the primary lender and by a Certified Development Corporation.

SBA 504 financing is a superior long term fixed rate financing option.  504 loans are normally done on larger projects.  If you do not feel you would be owning the property for a longer period of time, SBA's 7(a) loan program or perhaps conventional financing would be a better alternative because of the 504's longer pre-pay penalty period.  The longer pre-pay penalty is to offset the significantly lower rates offered in a bond debenture structured by the CDC.  Working capital and inventory are ineligible costs.

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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