Gas stations and truck stops across the Kansas City metro

Kansas City, MO-KS tallies 26 loans to gas stations and truck stops, FY2017 through FY2026, together $33.0 million, with a $1.0 million median that is 0.97x the typical national loan. The central half runs from $754,000 to $1.4 million. Fuel retail is 14th of 39 locally; the metro is 47 of 600 against other areas; and 0.55x, the location quotient, says fuel retailers weigh well under their national share in this metro's SBA lending. The figures describe fuel retail in this metro and nothing beyond it.

Programs, brands, holders and counties

SBA 7(a) carries 19 of the loans and SBA 504 carries 7, a mix that leans toward 7(a). Brand affiliation reaches 46.2%, a large share. OakStar Bank holds 11 loans worth $16.9 million, the one holder at five or more as SBA reports it; that records holdings and says nothing about OakStar's lending. Johnson County, KS and Jackson County, MO have 6 loans each.

Years with data and years without

FY2017 and FY2018 each print 0 loans and $0. FY2021 prints 8 loans and $11.8 million, and FY2022 prints 5 loans and $4.1 million. FY2019, FY2020 and FY2023 to FY2026 are too thin to display, and thin is not none. Under Loan Analytics' own rule Kansas City gets neither cancellation nor charge-off rate, its FY2017 to FY2021 cohort being too small. A borrower should not read that gap either way.

What a fuel-retail study must test

A project here has to show fuel gallons and in-store sales separately, the margin each earns, and the effect of a branded supply agreement on both. The study should test traffic at the exact site, competing stations nearby, environmental history of the parcel, and debt service coverage when fuel margins compress. On coding, the borrower's industry sets the code, truck stops and travel centers sit inside it with no way to split them out, and electric vehicle charging lacks a code entirely, so a charging-led project will not show in these figures. A loan near $1.4 million should explain whether real estate and tanks are included, and loans are placed by project county.

SBA gas station and truck stop loans in the Kansas City, MO-KS Metro Area

Loans approved, FY2017 to FY2026	26
Gross dollars approved	$33.0 million
Median loan	$1.0 million
Middle half of loans, from	$754,000
Middle half of loans, to	$1.4 million
SBA 7(a) loans	19
SBA 504 loans	7
Franchise share of loans	46.2%
Rank among metro and micro areas for gas station and truck stop loans	47 of 600
Rank of gas station and truck stop among the classes in this area	14 of 39
Location quotient (share of loans against the national share)	0.55x
Median loan against the national median for the class	0.97x

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)	withheld

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 Kansas City, MO-KS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	0	$0
FY2018	0	$0
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	8	$11.8 million
FY2022	5	$4.1 million
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
OakStar Bank	11	$16.9 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
Johnson County, KS	6
Jackson County, MO	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-28140-C01.

Related feasibility study pages

Worked examples

Worked Example: Conventional Bank Gas Station Feasibility Study in Missouri

A worked example of the feasibility study a lender would read for a gas station project in Missouri, financed with a conventional bank loan.

State: Missouri · Asset: Gas station · Program: Conventional bank loan

Loan Analytics prepares the feasibility study a lender reads before it commits: for a gas station and truck stop project in the Kansas City, MO-KS 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 Kansas City, MO-KS Metro Area