SBA loans by business type
SBA Loans for Gas Stations
SBA lenders funded 12,847 7(a) and 504 loans for gas stations since FY2010 (1.2% of all SBA lending in the data), totaling $14.6B, an average of $1.1M per loan. The most active lender is Celtic Bank Corporation.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Gasoline Stations (NAICS 447 / 457). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 13% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 1.6% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Retail Trade, the sector that includes gas stations
Ranked by SBA loans funded across Retail Trade (NAICS 44-45), the full sector that contains Gasoline Stations (NAICS 447 / 457). The sector is broader than gas stations alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to gas stations. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 8,274 | $2.1B | $250K | 3.77% |
| 2 | Wells Fargo Bank National Association | 8,125 | $2.1B | $254K | 7.26% |
| 3 | U.S. Bank, National Association | 4,558 | $1.4B | $306K | 3.97% |
| 4 | JPMorgan Chase Bank, National Association | 4,535 | $845.8M | $187K | 6.00% |
| 5 | TD Bank, National Association | 3,878 | $572.2M | $148K | 9.33% |
| 6 | Manufacturers and Traders Trust Company | 3,502 | $447.0M | $128K | 7.40% |
| 7 | Bank of Hope | 2,367 | $1.4B | $597K | 4.35% |
| 8 | Celtic Bank Corporation | 2,102 | $1.6B | $781K | 6.47% |
| 9 | PNC Bank, National Association | 1,958 | $363.1M | $185K | 7.41% |
| 10 | Northeast Bank | 1,849 | $325.5M | $176K | 2.65% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for gas stations SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 2,307 | $3.8B |
| Texas | 2,132 | $2.9B |
| Washington | 969 | $1.6B |
| Georgia | 1,060 | $1.2B |
| Illinois | 530 | $531.4M |
| Wisconsin | 506 | $410.6M |
| Florida | 319 | $295.7M |
| Oregon | 165 | $277.3M |
| Arizona | 193 | $265.7M |
| Indiana | 299 | $242.1M |
SBA lending for gas stations by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for gas stations: frequently asked questions
Can you get an SBA loan for gas stations?
Yes. Lenders funded 12,847 SBA 7(a) and 504 loans for gas stations in the public data (as of 2026-03-31), 1.2% of all SBA lending, totaling $14.6B.
How much is a typical SBA loan for gas stations?
The average SBA loan for gas stations is $1.1M, across 12,847 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund gas stations?
Celtic Bank Corporation, Wallis Bank, Commonwealth Business Bank are among the most active SBA lenders for gas stations by funded volume. A lender that regularly funds your situation is more likely to understand the deal.