SBA by industry · NAICS 4471, 4571, 445131 and 44512
SBA lenders for gas stations and convenience stores
315 lenders made at least one SBA loan to gas stations and convenience stores in the 36 months ending September 30, 2026. Celtic Bank made the most, with 106 of the 2,436 on record.
- Evidence
- SBA 7(a) and 504 first-lien loans, 36 months ending September 30, 2026
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 315
- SBA FOIA,
- SBA loans, 36 months
- 2,436
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $3.35B
- SBA FOIA,
- Typical loan
- $960K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for gas stations and convenience stores, https://lender.report/sba-lenders-for/gas-stations-and-convenience/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | Last 12 months |
|---|---|---|---|---|---|
| Celtic Bank | Bank | Salt Lake City, UT | 106 | $238M | 34 |
| Open Bank | Bank | Los Angeles, CA | 105 | $216M | 49 |
| Readycap Lending, LLC | Non-bank | Berkeley Heights, NJ | 102 | $200M | 12 |
| The Huntington National Bank | Bank | Columbus, OH | 98 | $56.8M | 16 |
| Metro City Bank | Bank | Doraville, GA | 72 | $99.6M | 23 |
| Manufacturers and Traders Trust Company | Bank | Buffalo, NY | 70 | $9.01M | 34 |
| US Metro Bank | Bank | Garden Grove, CA | 64 | $155M | 47 |
| Bank of Hope | Bank | Los Angeles, CA | 61 | $121M | 30 |
| Wallis Bank | Bank | Wallis, TX | 56 | $110M | 12 |
| TD Bank, National Association | Bank | Wilmington, DE | 55 | $5.63M | 19 |
| Commonwealth Business Bank | Bank | Los Angeles, CA | 54 | $97.1M | 19 |
| PCB Bank | Bank | Los Angeles, CA | 47 | $103M | 17 |
| Southwestern National Bank | Bank | Houston, TX | 47 | $95.5M | 14 |
| Hanmi Bank | Bank | Los Angeles, CA | 47 | $52.6M | 20 |
| U.S. Bank National Association | Bank | Cincinnati, OH | 46 | $44.7M | 15 |
| East West Bank | Bank | Pasadena, CA | 43 | $72.8M | 18 |
| Enterprise Bank & Trust | Bank | Clayton, MO | 42 | $76.1M | 14 |
| Byline Bank | Bank | Chicago, IL | 42 | $71.5M | 18 |
| Citizens Bank | Bank | Elizabethton, TN | 33 | $44.8M | 14 |
| Harvest Small Business Finance, LLC | Non-bank | Laguna Hills, CA | 31 | $42.9M | 7 |
| KeyBank National Association | Bank | Cleveland, OH | 27 | $7.18M | 9 |
| Columbia Bank | Bank | Roseburg, OR | 26 | $7.27M | 12 |
| Port 51 Lending LLC | Non-bank | New York, NY | 23 | $36.7M | 15 |
| Northeast Bank | Bank | Portland, ME | 22 | $4.63M | 4 |
| T Bank, National Association | Bank | Dallas, TX | 21 | $50.7M | 7 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| California | 434 | $827M |
| Texas | 361 | $619M |
| Washington | 273 | $560M |
| Georgia | 98 | $194M |
| Oregon | 86 | $153M |
| Ohio | 83 | $44.0M |
| New York | 81 | $35.0M |
| Illinois | 74 | $83.0M |
| Michigan | 70 | $72.4M |
| Massachusetts | 61 | $23.0M |
| Florida | 60 | $52.0M |
| Pennsylvania | 51 | $32.4M |
| New Jersey | 47 | $17.5M |
| North Carolina | 43 | $41.8M |
| Wisconsin | 42 | $58.7M |
| Industry | Loans |
|---|---|
| Gasoline Stations with Convenience Stores | 1,664 |
| Convenience Retailers | 715 |
| Other Gasoline Stations | 43 |
| Convenience Stores | 14 |
- SBA lenders recorded 2,436 loans to gas stations and convenience stores totaling $3.3B in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The five most active lenders made 19.8% of those loans. SBA FOIA,
- Banks and savings institutions made 2,020 of them, credit unions 79, and non-banks 200. SBA FOIA,
- 45 lenders recorded 10 or more of these loans. SBA FOIA,
- 4 of these loans were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 823 approvals of these loans dated in the 12 months to September 30, 2026, versus 904 in the prior 12 months. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- The typical SBA loans to gas stations and convenience store in this group was about $960K, with the middle half between $300K and $2.1M. SBA FOIA,
- Lenders reported a median rate of 9.50% on 2,165 loans in this group, with the middle half between 8.50% and 10.25%. SBA FOIA,
- The median term in this group was 25 years. SBA FOIA,
- California (434), Texas (361), Washington (273) recorded the most of these loans. SBA FOIA,
- The most common detailed industry was Gasoline Stations with Convenience Stores (1,664 loans). SBA FOIA,
How this list is defined
- Measure
- SBA loans made to gas stations and convenience stores
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 4471, 4571, 445131 and 44512.
- Order
- Largest first by loans in the 36 months, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
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Every loan counted here carried one of these NAICS codes in the SBA file. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.