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How to finance a Circle K (C-store Agreement only)

California (20)Illinois (3)Iowa (1)New Jersey (1)

The SBA 7(a) lenders funding the most Circle K (C-store Agreement only) deals, ranked from public loan records — typical Circle K (C-store Agreement only) loan about $866K, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Circle K (C-store Agreement only)

$866K

Typical loan

range $498K–$1.67M

$962K

Est. purchase price

≈ loan ÷ 90%

$131,945

Cash to close

$96,222 down + fees

$11,206/mo

Typical payment

~9.5% · 10yr

$154,643/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

45 days

Typical time to fund

17

Lenders competing

more = leverage

7.16%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Circle K (C-store Agreement only)

Ranked by funded Circle K (C-store Agreement only) loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.868 loans · $362M · Salt Lake City, UTFull record →
  2. 2.24 loans · $30M · City Of Industry, CAFull record →
  3. 3.13 loans · $18M · Roseburg, ORFull record →
  4. 4.242 loans · $281M · Chicago, ILFull record →
  5. 5.85 loans · $148M · Los Angeles, CAFull record →
  6. 6.14 loans · $23M · Miami Lakes, FLFull record →
  7. 7.12 loans · $8M · Bakersfield, CAFull record →
  8. 8.83 loans · $143M · Los Angeles, CAFull record →
  9. 9.5 loans · $2M · Tulsa, OKFull record →
  10. 10.7 loans · $3M · Walnut Creek, CAFull record →
  11. 11.36 loans · $51M · Carmel, INFull record →
  12. 12.32 loans · $54M · Houston, TXFull record →
  13. 13.31 loans · $39M · Conshohocken, PAFull record →
  14. 14.14 loans · $18M · Los Angeles, CAFull record →
  15. 15.274 loans · $315M · Los Angeles, CAFull record →
  16. 16.29 loans · $28M · Quincy, CAFull record →

25+ funded Circle K (C-store Agreement only) deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

  • Jackson Food Mart in Red Bluff, CA — $741K (2026) · Open Bank
  • Sheena Brothers, Inc. in Poway, CA — $1.7M (2025) · Columbia Bank
  • CARR AVENUE MARKET LLC in Keansburg, NJ — $1.6M (2025) · Firstrust Savings Bank
  • Mehta and Son's LLC in San Bernardino, CA — $866K (2025) · Celtic Bank Corporation
  • Circle K in Costa Mesa, CA — $810K (2024) · Southwestern National Bank
  • J&K Chauhan Inc. in Dinuba, CA — $1.2M (2023) · purchase · Mission Bank
  • 5JAB LLC in Long Beach, CA — $835K (2023) · purchase · Byline Bank
  • New Roop Enterprises, Inc in Costa Mesa, CA — $727K (2023) · purchase · American Continental Bank
  • SHREE GOBIND JEE INCORPORATED in Los Angeles, CA — $1.0M (2022) · Cathay Bank
  • NanaKG Corp in Fullerton, CA — $498K (2022) · purchase · Byline Bank
  • Gkhalsa, Inc in Anaheim, CA — $250K (2022) · Bank of Hope
  • MONOROMA INC in Long Beach, CA — $50K (2022) · U.S. Bank, National Association
  • Jot Enterprises LLC in Rancho Murieta, CA — $3.9M (2021) · Plumas Bank
  • White Lane Gas & Mart in Bakersfield, CA — $2.6M (2021) · purchase · Celtic Bank Corporation
  • Sheena Brothers LLC in Poway, CA — $1.5M (2021) · Columbia Bank
  • Roop Enterprises Inc in Los Angeles, CA — $672K (2021) · purchase · Commonwealth Business Bank
  • New Land Food, Inc. in Hemet, CA — $3.8M (2020) · purchase · United Business Bank
  • Santa Nella Circle K in Santa Nella, CA — $2.4M (2020) · Celtic Bank Corporation
  • A & F Gas Corp in Hillside, IL — $2.3M (2020) · purchase · BankUnited, National Association
  • Zoom Real Estate, LLC in Boone, IA — $2.1M (2020) · Regent Bank

Buying a Circle K (C-store Agreement only)? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Circle K (C-store Agreement only) businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Circle K (C-store Agreement only) purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Celtic Bank Corporation funds the most. CapBench is not a lender.

  • $866K typical Circle K (C-store Agreement only) loan
  • 0% failure rate (FY20–23)
  • 17 lenders fund the brand
  • 45 days typical to fund

Buyers researching a Circle K (C-store Agreement only) typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this dealTalk to a loan brokerCircle K (C-store Agreement only) record
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/franchise/circle-k-c-store-agreement-only
API:
https://www.capbench.com/api/public/lenders?franchise=circle-k-c-store-agreement-only
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
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