Gasoline Stations with Convenience Stores acquisitions in Georgia: SBA loan data

How Gasoline Stations with Convenience Stores in Georgia compares

The median for loans to buy gas stations in Georgia is $900,000, in line with the $875,000 median for all Georgia acquisitions, below the $1,436,000 median for Gasoline Stations with Convenience Stores acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.

The middle half runs $535,000 to $1,375,000, against $283,000 to $1,465,000 nationally; the median term is 25 years, longer than the national median of 10 years; the average initial rate is 7.31%, below the 7.76% national average.

None of the seasoned loans were charged off, against 3.2% for all Georgia acquisitions, 0.9% for Gasoline Stations with Convenience Stores acquisitions nationwide and 3.5% for all acquisition loans.

Loan size distribution

Most loans to buy gas stations in Georgia (56%) were under $1M, and the largest single band is $350K to under $1M at 51%, against 33% of all acquisition loans.

Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.

Lender concentration

The Huntington National Bank made 9% of loans to buy gas stations in Georgia, and the top three lenders together made 22%. 7 of the 24 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.

Recent activity

In FY2025 and FY2026 combined, 5 loans to buy gas stations in Georgia were approved. That is 50% fewer than the 10 approved in FY2023 and FY2024. The median was $535,000, well below the $900,000 median across all years.

Gasoline Stations with Convenience Stores acquisition loans in Georgia by year

How often do these acquisition loans fail?

Of the 24 Gasoline Stations with Convenience Stores in Georgia acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 17 have already been paid in full.

For comparison, Gasoline Stations with Convenience Stores in Georgia has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.

"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.

Related

• All Georgia acquisitions
• Financing one? How to get an SBA loan to buy a gas station
• Gasoline Stations with Convenience Stores nationally
• Gasoline Stations with Convenience Stores in Texas
• Gasoline Stations with Convenience Stores in California
• Gasoline Stations with Convenience Stores in Washington
• Gasoline Stations with Convenience Stores in Illinois
• Gasoline Stations with Convenience Stores in Wisconsin
• Gasoline Stations with Convenience Stores in Minnesota
• Gasoline Stations with Convenience Stores in Oregon
• Gasoline Stations with Convenience Stores in Oklahoma
• Hotels and Motels in Georgia
• Full-Service Restaurants in Georgia
• Beer, Wine, and Liquor Retailers in Georgia
• Limited-Service Restaurants in Georgia
• Child Care Services in Georgia
• Broilers and Other Meat Type Chicken Production in Georgia
• Fitness and Recreational Sports Centers in Georgia
• Drycleaning and Laundry Services in Georgia

Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.