Financing a convenience stores acquisition in Texas

State:

The SBA 7(a) lenders funding the most convenience stores acquisitions in Texas, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance convenience stores in Texas

$531K

Typical loan

range $350K–$1.05M

$590K

Est. purchase price

≈ loan ÷ 90%

$78,913

Cash to close

$59,000 down + fees

$6,871/mo

Typical payment

~9.5% · 10yr

$94,820/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

5.48%

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 in convenience stores · Texas

Ranked by funded convenience stores acquisitions in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

Not enough public convenience stores loan history in Texas to rank lenders yet. See convenience stores lenders nationwide →

13+ funded Convenience Stores in Texas 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.

Q-Mart Investment Inc. in Quinlan, TX — $1.1M (2021) · purchase · First United Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
239 months
SBA guaranteed
$1.0M (90%)
Approval → funding
21 days
Approved
2/1/2021
First disbursed
2/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$127K
Est. cash at closing
$175K
Monthly payment
$7,269
Annual debt service
$87K
Cash flow needed (1.25×)
$109K
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 First United Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
SST Petroleum, LLC. in Killeen, TX — $909K (2021) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$682K (75%)
Approved
12/11/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$5,314
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
The Strawn Store, Inc. in Strawn, TX — $531K (2021) · purchase · Glacier Bank
Program
Preferred Lenders Program
Rate at approval
2.75% variable
Term
299 months
SBA guaranteed
$478K (90%)
Approval → funding
12 days
Approved
6/10/2021
First disbursed
6/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$590K
Est. down payment (10%)
$59K
Est. cash at closing
$79K
Monthly payment
$2,455
Annual debt service
$29K
Cash flow needed (1.25×)
$37K
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 Glacier Bank · Lender record →
Your business? Claim this record · Request removal
ZOEB BUSINESS LLC in Waco, TX — $361K (2021) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
240 mo (20 yrs)
SBA guaranteed
$325K (90%)
Approval → funding
15 days
Approved
7/16/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$401K
Est. down payment (10%)
$40K
Est. cash at closing
$54K
Monthly payment
$2,235
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
SMR TX Investments LLC in Fort Worth, TX — $350K (2021) · purchase · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
3 days
Approved
12/15/2020
First disbursed
12/18/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,755
Annual debt service
$45K
Cash flow needed (1.25×)
$56K
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 New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
Morgan Mill Stop in Hico, TX — $328K (2021) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$295K (90%)
Approval → funding
1 days
Approved
6/23/2021
First disbursed
6/24/2021
Loan status
Paid in full (1/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$364K
Est. down payment (10%)
$36K
Est. cash at closing
$49K
Monthly payment
$2,014
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Walid and Singh Hospitality, LLC in Buda, TX — $304K (2021) · purchase · Frontier Bank of Texas
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$228K (75%)
Approval → funding
66 days
Approved
11/17/2020
First disbursed
1/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$338K
Est. down payment (10%)
$34K
Est. cash at closing
$45K
Monthly payment
$3,339
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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 Frontier Bank of Texas · Lender record →
Your business? Claim this record · Request removal
NS3 ALLIANCE INCORPORATED in Mesquite, TX — $1.8M (2020) · purchase · Open Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
11 days
Approved
8/20/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$200K
Est. cash at closing
$275K
Monthly payment
$10,262
Annual debt service
$123K
Cash flow needed (1.25×)
$154K
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 Open Bank · Lender record →
Your business? Claim this record · Request removal
norsat enterprises inc in Garland, TX — $1.3M (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$972K (75%)
Approval → funding
17 days
Approved
1/14/2020
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$197K
Monthly payment
$8,954
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
LG LLC in Grand Prairie, TX — $1.1M (2020) · purchase · Commonwealth Business Bank
Program
7a General
Rate at approval
6.25% variable
Term
204 mo (17 yrs)
SBA guaranteed
$788K (75%)
Approval → funding
23 days
Approved
11/7/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$117K
Est. cash at closing
$160K
Monthly payment
$8,369
Annual debt service
$100K
Cash flow needed (1.25×)
$126K
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 Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
Bennet Convenience LLC in Fort Stockton, TX — $801K (2020) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
7.5% variable
Term
192 mo (16 yrs)
SBA guaranteed
$601K (75%)
Approval → funding
69 days
Approved
4/22/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$890K
Est. down payment (10%)
$89K
Est. cash at closing
$122K
Monthly payment
$7,176
Annual debt service
$86K
Cash flow needed (1.25×)
$108K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Starshine Fortune Inc in Dallas, TX — $477K (2020) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$358K (75%)
Approval → funding
48 days
Approved
2/12/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$530K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$3,147
Annual debt service
$38K
Cash flow needed (1.25×)
$47K
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
Springtown Rangila Inc in Springtown, TX — $330K (2020) · purchase · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (75%)
Approval → funding
31 days
Approved
3/30/2020
First disbursed
4/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Convenience Stores
If you were the buyer here
Est. deal size
$367K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$3,789
Annual debt service
$45K
Cash flow needed (1.25×)
$57K
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 New Millennium Bank · Lender record →
Your business? Claim this record · Request removal

Financing a convenience stores deal in Texas? Start with the right lender

We'll point you to the SBA lenders already funding your industry in your state — 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 acquisition loans to convenience stores businesses with a Texas project address.

Agent summary

How to finance a convenience stores acquisition in Texas with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Texas deals. CapBench is not a lender.

$578K typical loan
11 lenders active in Texas
13+ funded Texas deals
21 days typical to fund

Buyers buying a convenience stores in Texas typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All convenience stores lenders

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/industry/convenience-stores/texas
API:: https://www.capbench.com/api/public/lenders?industry=convenience-stores
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.