Retail & Shops · lender intelligence

How to finance a Race Trac

State:

The SBA 7(a) lenders funding the most Race Trac deals, ranked from public loan records — typical Race Trac loan about $641K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Race Trac

$641K

Typical loan

range $575K–$830K

$712K

Est. purchase price

≈ loan ÷ 90%

$95,260

Cash to close

$71,222 down + fees

$8,294/mo

Typical payment

~9.5% · 10yr

$114,457/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

6.75%

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 Race Trac

Ranked by funded Race Trac loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.2 loans · $0M · Storm Lake, IAFull record →
2.1,025 loans · $292M · Berkeley Heights, NJFull record →

5+ funded Race Trac 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.

Sunora 88 Incorporated in Fort Myers, FL — $575K (2023) · Central Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
20 days
Approved
7/11/2023
First disbursed
7/31/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal
YARO 88 INCORPORATED in Bonita Springs, FL — $641K (2022) · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$481K (75%)
Approval → funding
32 days
Approved
12/27/2021
First disbursed
1/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal
Vistaz Enterprises LLC in Hoschton, GA — $350K (2022) · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
2 days
Approved
11/10/2021
First disbursed
11/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal
Feroz & Sons Inc. in Irving, TX — $1.5M (2021) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Gasoline Stations with Convenience Stores
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Three Peaks Corp in Greenville, TX — $830K (2021) · purchase · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$747K (90%)
Approval → funding
5 days
Approved
8/26/2021
First disbursed
8/31/2021
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$922K
Est. down payment (10%)
$92K
Est. cash at closing
$126K
Monthly payment
$9,215
Annual debt service
$111K
Cash flow needed (1.25×)
$138K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Race Trac? 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.

Free · No documents · Usually same-day

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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Race Trac businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Race Trac 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. Central Bank funds the most. CapBench is not a lender.

$641K typical Race Trac loan
2 lenders fund the brand
20 days typical to fund

Buyers researching a Race Trac 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 deal Talk to a loan broker Race Trac record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/race-trac
API:: https://www.capbench.com/api/public/lenders?franchise=race-trac
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.