¢
BIZBITE
345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked
Physical
42
/100 score
Fair

Gas Station with Convenience Store

Where the real money is made inside, not at the pump

Gas stations with convenience stores combine fuel sales with high-margin retail, food, and beverage sales. The convenience store is where the real profit lives — cigarettes, drinks, snacks, and prepared food carry 30-50% margins compared to 5% on fuel. This is the more profitable evolution of a basic gas station.

Avg Revenue

$2.0M

Profit Margin

11%

Acquisition Multiple

2.5x - 4.5x

Startup Cost

$500K - $2.0M

Difficulty

4/5

How It Works

Fuel brings customers in, and the convenience store converts them into higher-margin purchases. In-store items like beverages, tobacco, lottery, and prepared food drive 60-70% of total profit despite being a fraction of total revenue. Successful operators optimize store layout and product mix relentlessly.

Revenue Range

Low End
$1.0M
Typical
$2.0M
High End
$4.0M

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 447110 · Gasoline Stations with Convenience Stores

Deals tracked
396
1 in last 24 mo
Median loan
$1.3M
$740K–$2.2M p25/p75
Implied deal size
$1.5M
median · ~85% LTV
Charge-off rate
1.6%
of loans that finished

Deal Size Distribution

<$150K
14
$150K–500K
42
$500K–1M
97
$1M–2M
130
>$2M
113

Deal Flow Over Time

Deals per year · median loan
$1.4M
2020
155
$1.1M
2021
194
$1.2M
2022
41
$2.2M
2023
5
$3.2M
2024
1
12-month momentum
Not enough dated data to compute

Financing Profile

Median rate
10.25%
0% fixed · last 24 mo
Median term
300 mo
real-estate heavy
Collateralized
99%
of loans secured
Median jobs
6
supported per deal
Top lenders in this space
Celtic Bank Corporation44
Metro City Bank24
Open Bank22
Commonwealth Business Bank19
UniBank17
Where deals happen
TX89
CA77
WA60
IL20
WI18
MN17
AZ11
CO8
GA8
FL7
Franchise vs independent
Franchised acquisitions finance at $1.4M median vs $898K for independents — a +54% franchise premium. Franchises make up 70% of deals tracked.

Recent Comparable Deals

ClosedStateLoanImplied dealJobsFranchise
Jun 2024GA$3.2M$3.8M8
Jun 2023WA$5.0M$5.9M5PacWest Energy (Shell) Retail
May 2023MT$886K$1.0M6
Apr 2023MN$777K$915K3
Oct 2022WA$2.2M$2.6M6Wilson Oil, Inc. Contract of S
Oct 2022WA$4.7M$5.6M6Chevron - Retail Supply Contra
Sep 2022WA$1.5M$1.8M9Christensen Inc. dba Powell Pr
Sep 2022CO$495K$582K2
Jun 2022OR$2.8M$3.3M12AM/PM Mini-Mart Agreement - AR
May 2022TX$2.2M$2.5M4Sunoco, LLC (Various Brands) F
Volume rank #16/534Deal-size rank #80/534p90 loan: $3.2MData as of Dec 2025

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Pros

  • +Blended margins much higher than fuel-only stations
  • +Captive high-traffic customer base for in-store sales
  • +Multiple revenue streams (fuel, retail, food, services)
  • +Strong asset value in real estate and equipment

Cons

  • -Complex operations requiring inventory management and staffing
  • -Higher labor costs (6-12 employees across shifts)
  • -Environmental liability from underground fuel tanks

Best For

Experienced operators who can manage retail complexity at scale

Operating Costs

Major costs include fuel inventory, retail COGS, labor (largest controllable expense), utilities, insurance, and environmental compliance.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

$-13164/mo
after debt service
Deal price — $4.0M
Range: $4.0M (2.5×) to $11.0M (4.5×+)
Down payment — 15% ($600K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 10.25%
SBA median for this category: 10.3%
Loan term — 25 years (300 mo)
SBA median for this category: 300 months
Down payment
$600K
15% equity injection
Loan amount
$3.4M
85% SBA-financed
Monthly payment
$31K/mo
$6.0M total interest
Monthly profit
$18K/mo
at 11% margin
Monthly cash flow after debt service
$-13164/mo
Margin does not cover debt service at these terms. Lower the deal price, increase the down payment, or extend the loan term.

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell

Find gas station and convenience store combo businesses

BizQuest

Search for convenience stores with fuel operations

LoopNet

Commercial properties including gas station/c-store combos

42/100Fair

Acquisition Score

Profit margin
7/30
Entry multiple
17/25
Market depth
0/20
Risk (charge-off)
13/15
Deal momentum
5/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
physical
Difficulty
4/5
Buy price
$5.0M$9.0M

Get the full breakdown in your inbox

Weekly boring business breakdowns

Get notified when high-margin businesses hit the market

Buy a gas station with convenience store
via BizBuySell
See listings →