Blackmont Lending in Warner Robins, Georgia helps Houston County, GA station and convenience store owners separate equipment, stock and purchase costs in a request, and passes it to funding partners who decide on approval and terms.
At a glance
- Gasoline stations
Gasoline stations in Houston County, GA: 92 employer establishments (CBP 2023)
- Stations with stores
Gasoline stations with convenience stores in Houston County, GA: 85 (CBP 2023)
- Convenience stores
Convenience stores without fuel in Houston County, GA: 39 employers (CBP 2023)
- Station payroll
Gasoline stations in Houston County, GA: $27.3 million payroll (CBP 2023)
Commercial Loan for Gas Station: Reach-In Coolers and Station Purchases in Warner Robins, GA
Reach-in coolers line the walls of a convenience store and run every hour it is open. A commercial loan for coolers fits equipment terms, and the request can show the energy savings or added sales space the new units bring.
Buying a station is a larger question with two parts: the business and the property. The business, its equipment, stock and goodwill, can be financed with a term loan built on the seller's records. The property itself is a commercial real estate loan, which Blackmont does not arrange.
Coolers, ice machines and beverage dispensers are often supplied or co-funded by a distributor under a contract. A request can note which equipment the store owns and which belongs to a supplier, so the partner finances only what the store will own.
Business Loan for Convenience Store in Warner Robins, GA: Paying for Fuel Inventory
Fuel is bought by the tanker load and sold over days, so a station carries fuel inventory on every delivery. Illustration only, invented figures: if one tanker load costs the station $8,500 and sells over five days, a credit line drawn for the delivery and paid down from daily sales carries that stock (our arithmetic: the draw clears as the five days of fuel sales come in).
Store stock, from drinks to snacks, follows the same pattern on a smaller scale. A partner reading a fuel or stock request looks at the supplier terms and the station's daily sales.
A station that switches fuel suppliers or adds a fuel grade may need a larger draw for the first loads. The supply agreement shows the payment terms the station gets, which sets how long each load has to be carried before the sales cover it.
Gas Station Loans for Station and C-Store Owners: Store Remodels
A store remodel, with new flooring, lighting, a food counter and coolers, pays back over years. Coolers and food equipment fit equipment financing; the construction fits a term loan. Fuel dispensers are a separate equipment line. Illustration only, invented figures: $48,000 of new dispensers financed at an annual rate of 9.75% over 72 months would carry a payment of about $883 a month, with payments totaling about $63,590 (our arithmetic).
Dispenser replacements may also bring card reader upgrades at the pump, which can be financed with the dispensers. The installation contractor's bid, including any canopy or electrical work, belongs in the same request with each item priced.
Gas Station Loans and the Houston County, GA Business Count
County Business Patterns counted 92 gasoline stations with paid employees in Houston County, GA for 2023, with 706 paid employees and $27.3 million in payroll; 85 were gasoline stations with convenience stores, and 63 of the 92 had fewer than five employees. Gasoline stations, with 92 establishments, were the fourth-largest four-digit industry in the county. The 31093 postal ZIP held 23 of the stations (ZIP Code Business Patterns).
Payroll for the 92 stations came to $27.3 million in 2023, and the 39 convenience stores without fuel had 68 paid employees between them, 36 of the 39 with fewer than five (County Business Patterns). Seventeen of those convenience stores had a ZIP 31093 address (ZIP Code Business Patterns).
Fuel Stops and Convenience Stores in Two Census Codes for Houston County, GA
The Census counts fuel stops and convenience stores in two different codes. The 92 gasoline stations include those with a store attached; the 39 convenience stores without fuel are counted in the grocery code, not the station code. Together they come to 131 (our sum of two codes), and the 39 are also part of the county's 62 grocery stores, so the figures should not be added to the grocery count.
| Cost | Funding type |
|---|---|
| Dispensers, canopy work, coolers | Equipment financing |
| Fuel loads and store stock | Credit line or inventory financing |
| Store remodel | Business term loan |
| Buying the business | Business term loan |
| Buying the property | Not arranged here |
Grocery store loans and the merchant cash advance page cover the store side; retail business loans, equipment financing, the Warner Robins, GA business page and the other trade pages add more.
Payroll during a remodel, when the store side is closed, fits working capital loans.
A buyer looking at a station that also sells hot food or runs a car wash has a third line of business to price. The food equipment and the wash equipment can go on equipment terms, while the seller's records show what each side of the business brings in.
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