Petrol Station Finance

Develop or refinance your petrol station portfolio, acquire further forecourts, and expand your revenue streams with Union Business Finance. Borrow from £10,000 to £5m. Get a FREE quote today.

Rates From as Low as

7%
Franchise Finance Available
Same-Day Cash-Flow Loans Available

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Fuel Your Ambition with Tailored Petrol Station Finance

Petrol stations are more than just fuel dispensers - they’re vital community hubs and present interesting investment opportunities. They also face unique challenges which means they require specialist funding knowledge and solutions.

As an experienced commercial finance broker with access to over 100+ lenders, our team can help secure petrol station business loans, commercial mortgages, and asset finance packages to help you fund site acquisitions, forecourt refurbishment, store expansions and equipment upgrades.

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Please note this is not a quotation for finance, this is for illustrative purposes only. The figures are available to UK incorporated businesses only. The value provided is intended as a guide only. For an accurate quotation please contact us.

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Regardless of whether you’re an independent operator, a franchisee or a multi-site owner, Union Business Finance combines industry knowledge, flexible lending structures, and a quick funding process to keep your petrol station running smoothly and profitably!

Why Petrol Stations Need Specialised Finance

Petrol station operators need more than standard loans due to high upfront costs for forecourt equipment (e.g. fuel pumps, underground tanks) and often require bespoke asset financing.
Fluctuating global oil prices create unpredictable cash-flow demands that must be managed proactively.
Ever-evolving fuel regulations (environmental permits, quality standards, etc.) add complexity and compliance costs.
Conventional business loans don’t cater to these industry-specific capex, cash-flow, and regulatory challenges.

Our tailored finance solutions not only spread costs over the life of critical assets but also build in flexibility to help you react quickly to market shifts and new regulations, keeping your petrol station-based business profitable and fully compliant.

Our Petrol Station Finance Solutions

Franchise Finance Loans

Union Business Finance offers tailored franchise funding for petrol station operators, covering franchisee fees, site development, initial inventory, and more. Our competitive rates, flexible payment plans, and fast-track approvals align with franchisor requirements and cash flow needs. With expert guidance on franchise agreements, our brokers help you secure the finance to confidently launch and grow your branded station.

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Union Business Finance are an independent commercial finance broker and not affiliated with BP

Acquisition Finance

We provide specialist acquisition finance for petrol station purchases - single sites or multi-site portfolios - offering rates from 7%, flexible LTVs, and up to £5 million in funds (typically 90% of the purchase price). Our expert brokers guide you through a straightforward application to ensure your deal closes on time and on budget, helping you grow your business with minimal hassle.

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Union Business Finance are an independent commercial finance broker and not affiliated with Shell

Commercial Mortgages

Union Business Finance offers long-term, property-backed commercial mortgages for petrol station acquisitions, refinancings, or rebuilds. Using our panel of 100+ lenders, we secure competitive rates and flexible repayment terms tailored to your cash flow. From valuation to completion, our dedicated team simplifies the process so you can invest without draining your working capital.

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Merchant Cash Advances (MCAs)

Since repayments scale with your card sales (usually 3-30%), our Merchant Cash Advances help you preserve cash flow during slow periods. We offer MCAs from £5,000 to £1 million, repaid as a cut of daily card takings. With approval rates above 80%, funds can be in your account within 24 hours, and our transparent process carries no hidden fees.

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Asset Finance

We provide tailored asset finance for petrol station operators, letting you spread the cost of vital equipment, like fuel pumps, over manageable terms. With flexible structures (such as Hire Purchase or Lease Finance), competitive rates, fast approvals, and industry expertise, you can upgrade or replace assets without tying up working capital, keeping your site safe, compliant, and profitable.

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Business Loans

Our business loans for petrol station owners deliver flexible working capital, featuring rates from 7%, tailored repayment plans, and rapid access to funds, so you can operate with the agility this industry demands. With a fast application and decision process, Union Business Finance helps you seize opportunities; contact our brokers today to find the right solution, whether it’s Inventory Finance or Cash Flow Loans.

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Benefits of Petrol Station Finance

There are many benefits of finance for petrol station owners, including:

Unlock new revenue streams like car washes, coffee kiosks or EV charging bays.
Invest in industry-specific technology such as advanced forecourt management software.
Opens up opportunities to bulk purchase fuel, helping you secure discounted rates and improve pump margin.
Improve regulatory compliance with environmental regulations and green technology.
Maintain cash flow flexibility with structured repayments and asset-backed finance options.
Strengthen franchise partnerships to improve growth under petrol station brands like Shell or Esso.

How it works

Consulting

Let’s talk about where your business is, and where you want it to be.

Pre-underwriting

Send us your supporting financials for us to review, and we’ll get a proposal sent for credit approval.

Paying Out Funds

72 hours later, once approved, and signed on the dotted line, funds will be released.

Eligibility Requirements

Your eligibility for our forecourt funding solutions depends on the type of funding you choose and the structure of your business.

Typical Lending Criteria

New Petrol Station Businesses:

Cashflow Forecast or Business Plan
Homeowner
Good to Average Credit Rating
Ability to Demonstrate Affordability Cash Flow

Established Petrol Station Businesses:

At least Two Years Trading History From An Established Company
Profitable Accounts
Homeowner or Tenant
Good Business / Personal Credit / Good Delphi Score
No Default Payments

Should you fulfil the above, we are confident we can take your business to the next level.

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Why Union Business Finance?

At Union Business Finance, we understand the unique challenges that petrol station owners or franchisees face, but also those of your clients including as we also support businesses operating within the haulage and logistics industry. That’s why each of our specialised finance solutions is designed to help you achieve your growth ambitions - whether you’re upgrading pumps, expanding your convenience store or investing in new revenue streams - while building a strong, transparent partnership you can rely on for the long term.

We Offer:

Access to a portfolio of funding options from 100+ lenders.
More than 10 years of experience.
Loans from £10,000 to over £5m.
5* service every time.
Interest rates as low as 7%.

Our Service Is Always:

Transparent - Understanding your business's values & providing you with the knowledge you need to make the right decision for you.
Ethical - We always have the client's best interests in mind.
Personable - We focus on building relationships with our clients that are reliable & honest.

Our team brings a wide range of experience, thorough knowledge & understanding of the financial climate to help you find the best funding solutions.

Ready to get started? Let’s do it!

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Learn more about how Union Business Finance could help you secure the right funding for your business.

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FAQs

Can you help me finance a new petrol station?

Yes, from commercial mortgages to franchise finance to business acquisition loans, we offer multiple types of finance to help you fund a new petrol station purchase. To discuss the most suitable petrol station development finance for your needs, please contact a member of our team today.

How long does it take to get a decision on my application?

This depends on the type of finance you choose. In many cases, we will reach a decision within 24 hours, but for some types of finance (such as our Business Cash Flow Loans), you’ll receive funds on the very same day!

What documents are required to apply?

To apply for a petrol station loan, you’ll typically be asked to provide the following:

Business Plan: Outline your business and how the loan will be used.
Financial Statements: Income statements, balance sheets, and cash flow statements.
Tax Returns: Personal and business tax returns for the past few years.
Bank Statements: Recent bank statements.
Legal Documents: Business licences, registrations, and ownership agreements.

Is my credit history an issue?

Businesses with the highest credit scores will receive the most favourable terms. If you’ve currently got a poor credit score, we recommend you read our guide on how to increase it. However, we do not base your application solely on your credit score - please get in touch with us to discuss your financial situation.

Give us a call on 01442 617 799
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Disclaimer

Aintu Ltd (Registered Company Number: 12139002. VAT Number: GB385130404) T/A Union Business Finance is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Aintu Ltd will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay. Aintu Ltd is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035. ICO Registration Number: ZA541243 Aintu Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below:

https://www.afsuk.com/asset-finance-solutions/contact/complaints-procedure/

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