{"id":7141,"date":"2017-10-06T12:47:00","date_gmt":"2017-10-06T19:47:00","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=7141"},"modified":"2021-06-02T14:06:15","modified_gmt":"2021-06-02T21:06:15","slug":"how-to-get-an-sba-504-loan-for-your-gas-station","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/how-to-get-an-sba-504-loan-for-your-gas-station\/","title":{"rendered":"C\u00f3mo obtener un pr\u00e9stamo 504 de la SBA para su estaci\u00f3n de servicio"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7142\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490.jpeg\" alt=\"how an sba loan can help your gas station\" width=\"1037\" height=\"688\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490.jpeg 1037w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-300x199.jpeg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-1024x679.jpeg 1024w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-768x510.jpeg 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-400x265.jpeg 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-16x12.jpeg 16w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/10\/AdobeStock_71333490-270x180.jpeg 270w\" sizes=\"auto, (max-width: 1037px) 100vw, 1037px\" \/>There are over <\/span><a href=\"https:\/\/www.fueleconomy.gov\/feg\/quizzes\/answerQuiz16.shtml\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">168,000 gas stations<\/span><\/a><span style=\"font-weight: 400;\"> in the United States, many owned by immigrants, families, <\/span><a href=\"https:\/\/www.bls.gov\/cps\/cpsaat18.htm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">and women<\/span><\/a><span style=\"font-weight: 400;\">. Despite their crucial role in the everyday lives of millions of people, gas stations generally do not get the best financing options from conventional lenders. Those looking to get into this industry or expand their already established business will find it difficult to lock down necessary funding. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is hard to find financing for any small business, but gas stations in particular have even more difficulty. Thankfully, the Small Business Administration (SBA) offers the 504 loan program to gas station owners who are otherwise running on empty. The 504 program was made to help small businesses attain quality financing to fill this gap and promote job growth and economic development, in which gas stations play a significant part. Besides the favorable conditions on 504 loans, you will find experts at Certified Development Companies (CDC), the non-profit organizations that administer the loans, who are knowledgeable and eager to help you find the financial resources you need.<\/span><\/p>\n<h2><b>Why Is It Difficult to Get a Conventional Loan for a Gas Station?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Conventional lenders are generally hesitant to finance gas station businesses for a few reasons: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><i><span style=\"font-weight: 400;\">Accounting issues<\/span><\/i><span style=\"font-weight: 400;\"> related to a heavy dependence on cash payments. Tracking cash flow is more complicated when a large amount of your turnover is in cash. Your tax returns have greater weight in the approval process in this case. If your records show a low or decreasing cash flow, it will work against you.<\/span><\/li>\n<li style=\"font-weight: 400;\"><i><span style=\"font-weight: 400;\">Environmental concerns<\/span><\/i><span style=\"font-weight: 400;\"> (and extremely expensive potential cleanups). Leaky tanks are the biggest risk a gas station owner faces, and cleanup costs can run into the hundreds of thousand of dollars. It\u2019s not a risk that banks are eager to share in.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The <\/span><i><span style=\"font-weight: 400;\">single-use nature of gas station sites<\/span><\/i><span style=\"font-weight: 400;\">. Gas stations are one of those facilities that are expensive and difficult to convert to any other use. That can make them harder to sell and so a bigger risk for crediting.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These kinds of considerations can lead to a low rate of approvals and difficult conditions on conventional loans.<\/span><\/p>\n<h2><b>How Does the 504 Loan Do Things Differently?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/www.tmcfinancing.com\/sba-504-rates\/\">504 loan<\/a> is administered by nonprofit CDCs. Their mission is lending to business owners who want to purchase land, buildings or long-term equipment or to renovate and upgrade their existing facilities. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The down payment on a 504 loan is 15% for single-purpose properties, including gas stations, rather than 10%. Compare that to the 40% down payment that a commercial bank is likely to ask for.<\/span><\/p>\n<h2><b>How Have Gas Station Owners Used 504 Loans to Drive Success? <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The 504 loan even covers the construction of a brand new building from the ground up. This is what the father-son team, Behrooz and Ali Mirshafiee, are doing. They received a 504 loan through TMC and are partnering with their cousins Bijan and Amir Dehbozorgi to build a 76 station with a Subway shop in Hesperia, California. The 504 loan financed the purchase of vacant land on Fashion Way and the ground up construction costs of both a gas station and fast food restaurant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2013, Charanjiv Dhaliwal purchased land in Concord, CA to construct an Arco gas station, an AMPM minimarket and a Popeye\u2019s Chicken fast food restaurant with an SBA 504 loan. With years of experience as a franchisee for several gas stations and fast food restaurants, Charanjiv was considered a strong borrower. In addition to this location in Concord, his company owns and operates several other franchises in Berkeley, Fremont, Pittsburg, Oakland, San Lorenzo, and Vacaville. The company has grown tremendously since 2013, they are applying for two more SBA 504 loans for additional locations in 2018.<\/span><\/p>\n<h2><b>How Does the 504 Loan Work? <\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The 504 loan comes in three parts, facilitated by a conventional lender, a CDC, and the borrower. Here\u2019s how that breaks down percentage-wise for a gas station: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The first loan comes from a conventional lender and amounts to 50% of the total loan. You and that lender determine the amount and conditions of that loan, which becomes your first mortgage. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your CDC facilitates a separate SBA loan of 35% of the total, up to $5 million, for 10 or 20 years <\/span><a href=\"https:\/\/www.tmcfinancing.com\/\/sba-504-rates\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">at a <\/span><span style=\"font-weight: 400;\">fixed, below-market rate<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">You can receive up to $5.5 million for projects eligible for the SBA\u2019s Green Energy Program. This will be your second mortgage. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Then you, the borrower, will contribute 15% to the loan. This is the down payment requirement on a 504 loan for <\/span><a href=\"https:\/\/www.tmcfinancing.com\/\/sba-504-loans\/sba-single-purpose-property-list\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">single-purpose properties<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_round_chart type=&#8221;doughnut&#8221; stroke_width=&#8221;2&#8243; values=&#8221;%5B%7B%22title%22%3A%2250%25%20Conventional%20Lender%22%2C%22value%22%3A%2250%22%2C%22color%22%3A%22blue%22%2C%22custom_color%22%3A%22%235472d2%22%7D%2C%7B%22title%22%3A%2235%25%20CDC%22%2C%22value%22%3A%2235%22%2C%22color%22%3A%22turquoise%22%2C%22custom_color%22%3A%22%23fe6c61%22%7D%2C%7B%22title%22%3A%2215%25%20Borrower%22%2C%22value%22%3A%2215%22%2C%22color%22%3A%22green%22%2C%22custom_color%22%3A%22%23fe6c61%22%7D%5D&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<b>How Can Gas Stations Make the Most of the SBA\u2019s Green Energy Program?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Projects that are eligible for the SBA Green Energy Program can receive up to $5.5 million from the SBA in a 504 loan and there is no limit to the number of projects when green efficiency requirements are met. You can qualify for the Green Energy Program by improving your energy efficiency by 10% or by producing renewable fuel with equipment purchased through the loan. Installing solar panels on the roof or investing in energy-intensive refrigeration systems are two examples of implementing energy efficiency. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-6793 alignleft\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program.jpg\" alt=\"\" width=\"308\" height=\"308\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program.jpg 600w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program-150x150.jpg 150w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program-300x300.jpg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program-40x40.jpg 40w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/sba-504-energy-program-60x60.jpg 60w\" sizes=\"auto, (max-width: 308px) 100vw, 308px\" \/>Gas stations, especially those located in the California area, are in a unique position to take advantage of this program by participating in the growing market for electric cars and alternative fuels. Californians are more than three times more likely to drive electric cars than the national average, and in most of California, there are not enough charging stations to meet demand. Installing an electric vehicle (EV) charging station alongside your gas pumps could also make you eligible for the SBA Green Energy Program. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWhen you build a station, it\u2019s like moths to a flame for EV drivers,\u201d an industry leader recently said in a <\/span><a href=\"http:\/\/www.mercurynews.com\/2017\/08\/24\/your-ev-trip-to-tahoe-just-got-easier\/\"><span style=\"font-weight: 400;\">newspaper interview<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0There are ample franchising opportunities for electric car recharging stations, and they can be owned independently as well. A charge can take half an hour or more, so it can drive business to a nearby convenience store, caf\u00e9, or rest area.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The 504 loan can open up many possibilities for the growth of a gas station business. A loan expert at a CDC can tell you about these possibilities in detail and how they can help your business. <\/span><span style=\"font-weight: 400;\">TMC Financing<\/span><span style=\"font-weight: 400;\"> is a Premier Certified Lender with the SBA. The experts at TMC can help you create the loan package that best meets your business goals. If your business is located in California or Nevada, and you are seeking financing for you gas station, <\/span><a href=\"https:\/\/www.tmcfinancing.com\/\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact one of our local 504 loan experts<\/span><\/a> <span style=\"font-weight: 400;\">today.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span style=\"font-weight: 400;\">A pesar de su papel crucial en la vida cotidiana de millones de personas, las estaciones de servicio generalmente no obtienen las mejores opciones de financiamiento de los prestamistas convencionales. <\/span><\/p>","protected":false},"author":19,"featured_media":7142,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[163,167,6],"tags":[],"class_list":["post-7141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automotive","category-special","category-success-stories"],"acf":{"related_posts":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Get an SBA 504 Loan for Your Gas Station | TMC Financing<\/title>\n<meta name=\"description\" content=\"The 504 program was made to help small businesses attain quality financing to promote job and economic development, including gas stations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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TMC es una empresa de desarrollo certificada que proporciona financiaci\u00f3n de bienes ra\u00edces comerciales a propietarios de peque\u00f1as empresas a trav\u00e9s del Programa de pr\u00e9stamos 504 de la SBA. TMC se ubica constantemente entre las principales empresas de desarrollo certificadas a nivel nacional y ha financiado proyectos por valor de m\u00e1s de $9 mil millones en California y Nevada. Cerca de 5.000 peque\u00f1as empresas se han beneficiado de este financiamiento, lo que ha dado lugar a la creaci\u00f3n de unos 50.000 puestos de trabajo. TMC es tambi\u00e9n el prestamista hotelero n\u00famero 1 de la SBA 504 en los Estados Unidos. Barbara tambi\u00e9n es la fundadora de Working Solutions, un microcr\u00e9dito del \u00c1rea de la Bah\u00eda cuya misi\u00f3n es proporcionar a los microempresarios, en particular a las personas de bajos ingresos, las mujeres y las minor\u00edas, el acceso al capital y los recursos que necesitan para iniciar un negocio exitoso.","url":"https:\/\/www.tmcfinancing.com\/es\/author\/barbara-morrison\/"}]}},"_links":{"self":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/7141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/comments?post=7141"}],"version-history":[{"count":0,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/7141\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media\/7142"}],"wp:attachment":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media?parent=7141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/categories?post=7141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/tags?post=7141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}