Short-term bridge loan · Iowa
Bridge loans for gas stations and convenience stores in Iowa
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Gas stations and convenience stores are real estate with a business on top — and the SBA process can take months you don't have. We bridge the purchase, the payoff or the cash-out against the property so you can close, then refinance into permanent financing on your own schedule.
Serving Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo and every county in Iowa. Gas stations deals get the same answer everywhere: real equity, a clear exit, a fast close.
Deal check · live
No credit pullLoan-to-value
60%
Your equity
40%
Rates from
9%
Your deal fits what we fund
40% equity · within our size and term range. If the documents line up, we can close fast.
Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.
What we look at
How we underwrite gas stations.
- Value of the land, building and canopy by appraisal, with the business as supporting evidence
- Environmental: tank registration, Phase I status and any open issues
- Fuel supply agreement and brand, if any
- Exit: SBA 7(a)/504 refinance, conventional loan or sale
Typical deals
Where this loan fits.
- Buying a station from a retiring owner who wants a 30-day close
- Paying off a maturing note or a seller carry that is coming due
- Cash-out on an owned station to buy a second location or fund an upgrade
- Replacing a bank that backed out over environmental paperwork while you resolve it
Iowa markets
Where we lend in Iowa.
Des Moines and West Des Moines, Ankeny, Cedar Rapids, Iowa City, Davenport and the Quad Cities, Sioux City, Council Bluffs, Waterloo–Cedar Falls, Ames and Dubuque, plus I-80 / I-35 highway commercial.
Where we lend
Gas stations loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”
Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
Questions
Straight answers.
We review environmental status on every fuel site. Often an existing Phase I or clean tank records are enough; where there are open issues we structure around them or pass quickly.