Gas Station & C-Store Financing
Gas Station & Convenience Store Equipment Financing
Upgrade dispensers, replace tanks, remodel the store or add foodservice — and keep your cash for fuel inventory.
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Dispensers • EMV upgrades • tanks & monitoring • canopies • coolers • POS • foodservice
Short answer: Gas station equipment financing spreads the cost of fuel dispensers, tank systems, canopies, coolers and store equipment over 12 to 60 months, usually as a $1 buyout lease. Stations with 5+ years in business and strong credit get the best structures, and many deals up to about $250K are application-only.
Fuel stations carry heavy inventory costs and thin fuel margins, so tying up cash in equipment hurts. Equipment financing lets you replace aging dispensers, meet card-reader and compliance upgrades, and remodel the store while your cash stays in fuel and inventory.
Liberty Capital Group finances single stations, multi-site operators and truck stops, and works with the petroleum equipment contractors who install the work.
Gas Station Equipment We Finance
Fuel dispensers
New dispensers, EMV/card-reader retrofits, DEF dispensers and high-flow diesel lanes.
Tanks & monitoring
Underground and above-ground tanks, piping, sumps, automatic tank gauges and leak detection.
Canopy & forecourt
Canopies, LED lighting, signage and price signs, air/water machines.
Store equipment
Walk-in coolers and freezers, reach-ins, shelving, ice machines, beverage and coffee systems.
Foodservice
Hot food cases, ovens, fryers and roller grills for grab-and-go and quick-service counters.
Technology
POS systems, security cameras and EV chargers.
Who We Work With
- Independent and branded gas station owners
- Multi-site c-store operators
- Truck stops and travel centers
- Stations adding an in-bay car wash (see car wash equipment financing)
- Petroleum equipment contractors and installers
Gas Station Leasing & Financing Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months. All approvals are on approved credit (OAC); rates and structure depend on credit, time in business and the equipment.
Why Station Owners Lease Equipment
Conserve cash
Keep your cash and credit lines for payroll, fuel, materials and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and material costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor quote and the amount. It starts with a soft inquiry.
- Get approved, often the next business day on application-only deals.
- Sign the documents electronically.
- We pay the vendor and you take delivery. Your personal account manager stays with you for the next piece of equipment.
Related Financing
- Car wash equipment financing
- Oil & gas equipment financing
- Fuel tanker truck financing
- Restaurant equipment financing
- Merchant cash advance
Gas Station Equipment Financing FAQ
Can I finance new fuel dispensers?
Yes. Dispensers, EMV card-reader upgrades and installation can be financed together, usually with terms of 12 to 60 months.
Do you finance underground storage tanks?
Yes, tank replacement and monitoring systems can be financed. Larger projects are funded on business tax returns and financials.
Can I finance the convenience store remodel too?
Store equipment such as coolers, shelving, foodservice and POS can be included. Construction and real estate are handled separately.
Is $0 down available?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Do you finance used equipment?
Yes, used equipment can be financed with terms up to 60 months depending on age and condition.
What if I need working capital, not equipment?
For fuel inventory or seasonal cash needs we also offer merchant cash advances and working capital.
Ready to Upgrade Your Station?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.