Gas station in Columbus: the loan record

Columbus gets 29 loans approved for gas station, $24.6 million gross, from FY2017 to FY2026. Columbus, for gas station, ranks 43 of 600 in the area ranking. Within Columbus, gas station ranks 15 of 39. Columbus has a quotient of 0.35x, gas station below the national share.

Columbus loan sizes and mix

The median Columbus loan is $847,500; $50,000 to $1.4 million holds the middle half. Columbus loans sit at 0.81x of the national class median. In Columbus, borrowers draw smaller loans than nationally. Columbus shows no 7(a) count. Columbus shows no 504 count either. Columbus: too few loans back either count. Columbus loans show a 62.1% franchise share. Columbus shows a smaller median. Columbus projects were modest in scale. In Columbus, budget comparisons should note it.

Columbus holders and counties

Columbus SBA 7(a) holder: 14 loans, $8.2 million, The Huntington National Bank. Columbus names here hold or held loans. In Columbus, SBA rows say nothing of requirements. Columbus borrowers read the list as holders. Columbus gas station lenders get first tests. In Columbus, by county, the loans are 15 in Franklin County, OH and 6 in Fairfield County, OH.

Columbus years, floors and coding limits

Columbus prints only these fiscal years. Columbus shows 0 loans, $0, in FY2017. Columbus shows 10 loans, $8.5 million, in FY2019. Columbus shows 6 loans, $8.1 million, in FY2021. Other Columbus years are withheld. Thin counts leave Columbus totals unknown. In Columbus, no blank is a zero, and Columbus treats FY2026 as complete. Floors in Columbus follow Loan Analytics' own rule. The Columbus cohort holds fewer than 30 loans. Columbus disbursements cover FY2017 to FY2021. No Columbus cancellation floor prints. No Columbus charge-off floor prints either. Columbus blanks are no zero. Columbus blanks are no clean book. Each Columbus rate is a floor. Columbus borders come from the July 2023 list. Columbus places each loan by project county. Columbus drops loans with unplaceable counties. Columbus note: A gas station and a truck stop travel center look alike in Columbus counts, because the borrower's own industry is all that the record carries; electric vehicle charging has no code in the 2022 index.

Columbus: testing a gas station project

Columbus treats $50,000 to $1.4 million as the range to explain in Columbus. A gas station study in Columbus begins with fuel volume: gallons a site can pump, the margin per gallon, and what a convenience store adds. In Columbus, tanks and dispensers raise environmental questions that a study handles before any loan is sized. A Columbus lender will ask for fuel and in-store sales separately, since their margins and their risks are very different. Daniel Smith, MAI, signs every Columbus gas station study. For Columbus, demand and cost are tested. In Columbus, coverage and value are tested. Columbus borrowers are promised no approval here.

SBA gas station and truck stop loans in the Columbus, OH Metro Area

Loans approved, FY2017 to FY2026	29
Gross dollars approved	$24.6 million
Median loan	$847,500
Middle half of loans, from	$50,000
Middle half of loans, to	$1.4 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	62.1%
Rank among metro and micro areas for gas station and truck stop loans	43 of 600
Rank of gas station and truck stop among the classes in this area	15 of 39
Location quotient (share of loans against the national share)	0.35x
Median loan against the national median for the class	0.81x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	not reported: fewer than 30 loans in the cohort

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA gas station and truck stop loans approved in the Columbus, OH Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	0	$0
FY2018	withheld	withheld
FY2019	10	$8.5 million
FY2020	withheld	withheld
FY2021	6	$8.1 million
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	14	$8.2 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Franklin County, OH	15
Fairfield County, OH	6

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

The code is the borrower's industry. Truck stop or travel center cannot be split out. EV charging has no entry in the 2022 NAICS index.

Shared code: Truck stops and travel centers sit inside 457120 with gas stations that have no convenience store.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-18140-C01.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a gas station and truck stop project in the Columbus, OH Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Gas Station Feasibility Study in the Columbus, OH Metro Area