Convenience Store Loans

Unlock the doors to profitability in the convenience store sector with our tailored financing solutions.

At Capital Investors Direct, we specialize in commercial property investment, and our Convenience Store Loans are designed to empower entrepreneurs and investors in the dynamic world of retail.

Whether you are looking to start, expand, or optimize your convenience store business, our comprehensive loan options cater to your diverse needs, ensuring a smooth and successful investment journey.

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About Convenience Store Loans

Discover a seamless way to finance your convenience store venture with our expertly crafted Convenience Store Loans.

At Capital Investors Direct, we understand the unique challenges and opportunities in the retail landscape.

Our loans are specifically tailored to meet the financial demands of convenience store ownership, providing you with the capital needed to thrive in this competitive market.
With a focus on flexibility, competitive rates, and personalized service, we are committed to being your financial partner in success.

Convenience Store Loan Types

Dive into a world of convenience store loan options that cater to the specific needs of your business. Whether you are acquiring a new store, expanding your existing footprint, or seeking working capital, Capital Investors Direct offers a range of loan types, including:

1. Acquisition Loans: Secure funding to acquire a new convenience store or expand your existing portfolio. Our Acquisition Loans come with flexible terms and competitive rates to support your growth ambitions.

2. Expansion Loans: Fuel the growth of your convenience store business with our Expansion Loans. Whether you're adding new locations or enhancing your current store, we provide financing tailored to your expansion goals.

3. Working Capital Loans: Ensure the smooth day-to-day operations of your convenience store with Working Capital Loans. Our financing options are designed to cover operational expenses, inventory needs, and other essential costs.

Convenience Store Loan Options

Bridge Loans: Navigate transitional periods in your convenience store investment strategy with short-term financing for seamless transitions or upgrades.

Hard Money Loans: Access quick and flexible financing, ideal for situations requiring rapid funding with less emphasis on credit history.

State Income Loans: Explore specialized loan options considering state-specific income nuances, ensuring a customized approach to convenience store financing.

Investment Property Loans: Secure financing emphasizing the unique characteristics of convenience store properties, optimizing returns for investors.

Commercial Real Estate Loans: Explore tailored financing solutions for various commercial real estate needs, ensuring your convenience store investment aligns with market demands.

SBA Loans: Benefit from Small Business Administration-backed loans, providing convenient and affordable financing options for your convenience store business.

FHA Loans: Explore Federal Housing Administration-backed loans designed to support your convenience store investment with favorable terms and rates.

Convenience Store Loan Terms

Generally, our convenience store loan terms comprise the following:

  • Loan Size: Starting at $500,000 and above.
  • Loan Purpose: Intended for property acquisition or refinancing, excluding business-only financing.
  • Loan Term: Options of 3, 5, 10, and 15-year fixed-rate terms.
  • Amortization: Choices of 15, 20, 25, and 30-year amortization periods.
  • Leverage: Allowance of up to 80% Loan-to-Value (LTV) with subordinate debt permitted.
  • Debt Service Coverage Ratio (DSCR): Minimum DSCR of 1.40.
  • Credit Score Requirement: Minimum credit score of 660.


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For Commercial Hard Money Loan