TEXAS · NAICS NAICS 447 and 457 families
Texas fuel and convenience projects run along the country's heaviest freight and travel corridors, from I-35 and I-10 to I-45. Studies test site-level demand from traffic counts and trade-area demographics, model inside sales mix and foodservice contribution, and address environmental due diligence on a footprint where Phase I scope is routine.
FEASIBILITY TRIGGER
Gas stations are special-purpose, requiring a study, an industry-experienced appraiser, Phase I environmental due diligence, and elevated equity.
From FY2010 through FY2026, Texas recorded 2,051 SBA-disbursed gas station and c-store loans across the 7(a) and 504 programs, representing $2.54 billion in approved financing at an average loan size of $1.2 million. The state sits at rank #2 of 38 for gas station and c-store SBA lending volume and holds 18.8% of the national gas station and c-store dollar pool. 7(a) accounts for 95.0% of the count, 504 for the rest, with 252 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 2,051 |
| Approved volume | $2.54 billion |
| Average loan size | $1.2 million |
| 7(a) share | 95.0% |
| Approvals since FY2024 | 252 |
| State rank by loan count | #2 of 38 |
Among the 1,603 seasoned loans in this segment (approvals FY2010–FY2021), 3.7% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for gas station and c-store is 4.3%, against 7.3% across all industries. That performance runs below the national benchmark for this asset class, a credit-positive signal for lenders.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 3.7% adverse-resolution rate below the national gas station and c-store benchmark of 4.3% supports the credit story for well-underwritten Texas projects in this class. Across 2,051 SBA loans averaging $1.2 million, that track record does not eliminate the need for a third-party feasibility study, but it means a rigorous study reinforces rather than defends the projections.
Every Texas gas stations and c-stores project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Texas projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit, which matters for larger Texas Triangle and I-35 corridor projects.
The I-35, I-10, and I-45 corridors carry some of the heaviest freight and travel volumes in the country, and travel center economics blend fuel margin with inside sales and food service.
For a national view of this asset class, see our gas station and c-store SBA feasibility overview, and read our related analysis in the gas station and c-store lending research on our blog. Lenders and CDCs can order an SBA gas station feasibility study tested against SBA’s Appendix 7 environmental rules.
Compare neighboring markets: Tennessee, Virginia, California.
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a MeetingOur SBA feasibility study consultants prepare fuel, convenience store and travel center studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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