The best loan for a gas station or auto retail business is one that moves quickly and adapts to your fuel cycles and operating expenses. We offer working capital loans tailored for gas stations—whether independent or branded. If your business is U.S.-based, owned by a U.S. citizen, has been operating for at least 3 months, deposits $10,000 or more per month into a business checking account, and the owner has a FICO score of 450+, you're eligible.