Short-term bridge loan · Midwest
Bridge loans for gas stations and convenience stores across the Midwest
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.
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
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.