Gas Station Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area

Gas station lending in Los Angeles

SBA's loan files file 217 approvals for gas stations and truck stops in Los Angeles over FY2017 to FY2026, totaling $438.0 million in gross dollars approved. Compared with the nation, gas and truck-stop businesses fill a smaller share of Los Angeles lending, by the file, a location quotient of 0.59x. The midpoint loan in Los Angeles is $1.8 million, above the nation's class median by 1.71x. Smaller tickets cluster near $1.0 million; the larger end of the typical range reaches $2.8 million. Across the country Los Angeles stands 5 of 600 of metro and micro areas for these approvals, at present, and locally the category stands 12 of 39 across the classes in SBA's files.

The Los Angeles lender and program record

The franchise share of Los Angeles loans is 67.7%. In the 504 table in Los Angeles, as filed, the largest holder is Advantage Certified Development Corporation, with 8 loans; The Mortgage Capital Development Corporation comes next at 6, and CDC Thin Business Finance Corp. follows at 5. Of the 217 loans, 189 are 7(a) loans and 28 are 504 approvals, as filed, which reports which SBA program fuel stops and truck stops applicants tend to use around Los Angeles. Under 7(a) lending, 37 loans sit with Open Bank, 35 with PCB Bank and 17 with Commonwealth Business Bank. Lender figures for gas stations and truck stops in Los Angeles reflect SBA's current-holder records: a loan is credited to whoever stays it now, which states nothing about lending standards.

Counties and years in Los Angeles

Only a single project county stands out for gas stations and truck stops in Los Angeles: Los Angeles County, CA, at 179 loans. Volume was highest in FY2026, with 30 approvals worth $87.8 million, and lowest in FY2023, with 8 loans worth $17.1 million.

Floors and limits behind the Los Angeles figures

One limit: area totals for fuel stops and truck stops follow the project county, using 2023 borders and a name match, on this record, so a loan in an unmatched county never reaches Los Angeles. The code behind these Los Angeles loans is the borrower's own industry, as a matter of record, so a truck stop sits in with plain fuel stops, and plug-in charging has no code of its own before 2022 lists end. 10.5% at least of the FY2017 to FY2024 loans for fuel stops and truck stops in Los Angeles ended in cancellation, a minimum (the ceiling is withheld). A charge-off rate does not appear for gas and truck-stop businesses in Los Angeles, because the funded group behind it is too small to publish; that is never a finding of zero.

Testing a fuel stops and truck stops project in Los Angeles

Begin with demand if gas stations and truck stops are proposed for Los Angeles: fuel volume from passing traffic, plus diesel and truck traffic. A record of 217 approvals is context, rather than proof for a particular address. The coverage check should assume a slow first period, since Los Angeles shows gas station loans that did not run as approved. Institutions decide, not studies; a study for fuel stops and truck stops in Los Angeles supplies the work a lender can weigh against the file. On cost, environmental compliance upkeep and fuel supply and brand terms belong in the budget for fuel stops and truck stops, which is then read next to the $1.0 million to $2.8 million range institutions in Los Angeles have funded. Last, the appraisal of a Los Angeles site for gas and truck-stop businesses should address what fuel gallons are worth, along with the store and fuel split.