Dickinson, ND Gas Station Loans for Car-Wash Equipment and Store Coolers

New store fixtures inside a station cover shelving and gondolas, a coffee counter and the checkout counter. Those movable pieces can be financed: equipment financing for fixtures with a serial number, a term loan for the fixture package as a whole. Flooring, built-in lighting and remodel work, the forecourt, the fuel equipment and the building shell stay outside this site.

Illustration only, invented figures: a station owner prices a package of inside store fixtures at $64,000. As a 60-month term loan priced at 10% a year, that fixture package costs $1,359.81 per month and $81,588.60 over its life.

A station with a store inside is what the Census files under Gasoline Stations with Convenience Stores (NAICS 447110): 19 of the 28 Stark County, ND establishments under Gasoline Stations (NAICS 4471) carried that code in 2023 (County Business Patterns).

Buying a running station business comes in a few steps:

• Agree on a price with the seller that separates the store, its equipment and its stock from the land, the building and the fuel equipment
• Collect the seller's records: tax returns, profit and loss statements and the split between fuel sales and inside-store sales
• Price what changes on the first day, such as a new POS system or store coolers
• Call or send the request form; a funding partner asks for the records during its own review

This site covers the business part of the purchase: a term loan for the store and its equipment, inventory financing for opening stock, and equipment financing for new gear. The land, the building and the fuel equipment are real estate and site work outside this site, so a buyer arranges those separately.

Illustration only, invented figures: the new owner replaces the POS with four terminals, scanners and a back-office computer for $12,600. At 11.5% a year across 36 installments, each one is $415.50, and the whole set costs $14,958.00.

Car-wash equipment means the machinery: the brushes or the touchless arch, the blowers, the chemical system and the controller. A funding partner can finance that machinery on a dealer quote. The wash building and its foundation are property work outside this site.

Illustration only, invented figures: a touchless wash package priced at $96,000, set on a six-year schedule at 9.25% a year, works out to 72 installments of $1,742.39; by the last one the station has paid $125,452.08.

Store shelving, gondolas and endcaps are fixtures, and a partner can finance them with the coolers or the rest of the fixture package. Convenience stores that sell no fuel fall under another code, Grocery Stores (NAICS 4451), which also holds supermarkets; Stark County, ND had 4 establishments under it in 2023 (CBP).

Reach-in coolers with glass doors are equipment, and a store adding a cooler wall can finance the doors, the shelving and the refrigeration together. Inside-store stock, meaning drinks, snacks and groceries, is a different cost: it sells and is reordered every week, so inventory financing or a merchant cash advance fits it better.

Illustration only, invented figures: a provider advances $30,000 against $39,000 of the store's future card sales and collects 12% of each day's card batch. On a day with $2,600 of card sales it collects $312, so at that pace the $39,000 is collected over 125 sales days, and slower days stretch that out. An advance like this is not a loan; it is a purchase of future card sales.

Getting a loan for a gas station starts with the purchase, then the records:

• The quote for the equipment, such as a walk-in cooler for the store, or the purchase agreement for the business
• Bank statements from the last several months, plus the card processor's monthly statements
• How long the station has run and its yearly revenue, both picked from ranges on the request form
• A first call to (701) 402-5867 or the request form; a funding partner asks for the rest during its own review

Illustration only, invented figures: a walk-in cooler for the back room is quoted at $21,500. Paid over 48 months at 11.25% a year, it takes $558.29 from the store's account each month and $26,797.92 across the full term.

A partner can look at both the fuel sales and the inside-store sales when it reviews the statements. Payroll for the store staff while a large stock order sells through is a working capital question rather than an equipment one.

Yes, for the parts of a station this site covers: the store, its equipment, its stock and the business itself. A station owner who starts with the store inside has a clear purchase to price, a quote to show, and card sales that can support a merchant cash advance. The fuel equipment, the forecourt and the building are outside this site.

Few stations in the county are very small: 5 of the 28 establishments under Gasoline Stations (NAICS 4471), or 17.9%, had fewer than five employees in 2023 (CBP). Counted by the ZIP of the physical address, 23 establishments under that code sat in ZIP 58601 that year (ZBP), and the ZIP reaches beyond the Dickinson, ND city limits.

Nonemployer Statistics for 2024 uses a broader code, Gasoline Stations and Fuel Dealers (NAICS 457), and it counted 4 businesses with no paid employees under that code in Stark County, ND. Other stores are covered on the retail page, the wider list of trades is on the industries page, and county figures for Dickinson, ND businesses are on the city page.