A station owner can call (662) 445-7556 or use the request form, and funding partners weigh the request on their own terms.
A Columbus, MS gas station or convenience store can price the purchase of the store business as a term loan, finance coolers, ice machines, food counter equipment and POS systems, carry store stock on inventory financing, and look at a merchant cash advance collected from card sales. The fuel equipment, the land and the building are not funded through this site.
At a glance
- Gasoline stations (NAICS 4471), Lowndes County, MS
37 employer establishments, 257 paid employees (CBP 2023)
- Stations below five employees
23, or 62.2% (CBP 2023)
- Convenience stores (NAICS 445120)
15 employer establishments, 8 below five employees (CBP 2023)
- ZIP 39701 counts
gasoline stations 4; convenience stores 6 (ZBP 2023)
Business loan to buy a gas station in Columbus, MS: the store business, card readers and stock
Buying a station through this site means buying the business that runs in it: the store equipment, the stock on the shelves, the register and card reader setup, the name and the supplier accounts. A term loan can pay that price at closing.
Where the seller owns the lot and the building, the real estate sale is its own transaction, and Redpark Lenders does not arrange it. The fuel equipment and the forecourt belong to the site as well.
- Store sales by month, kept apart from fuel sales, for the years the seller can show.
- The equipment list with the age of each unit: coolers, ice machines, the food counter, registers and card readers.
- A stock count on the closing date.
- The site lease or sublease, where the business rents from the property owner, and the years left on it.
- Supplier agreements for drinks, snacks and tobacco, and whether each one continues after the sale.
Gas station loan requirements in Columbus, MS: store figures, food counters and ice machines
Each funding partner sets its own requirements; this site sets none. For a station store, a partner can look at bank statements showing daily card and cash deposits, the latest business tax return, the payments the station already owes each month on loans, leases or advances, and quotes for any equipment.
A food counter in a station store can hold a roller grill, a warming case, a countertop oven and a prep table. Each piece has a quote and fits equipment financing, and an ice machine with its storage bin is equipment too. A counter or kitchen area built into the store, with its own plumbing and wiring, is building work and stays outside this site.
County Business Patterns for 2023 puts 62.2% of Lowndes County, MS gasoline stations with paid staff below five employees: 23 stations out of 37 (NAICS 4471).
Gas station financing in Columbus, MS: POS systems, inventory and the store side only
A point-of-sale system for a station store ties the register, the scanner, the card reader and the back-office software together. The terminals are equipment; a software plan billed monthly is a running cost that a working capital loan or a line can carry.
Store stock, meaning cold drinks, chips and candy, grocery basics, tobacco and car-care items like motor oil, can be financed through inventory financing with the goods as collateral.
What stays out: fuel equipment of any kind, the forecourt and the store building. Those are site and property work, and Redpark Lenders does not arrange money for them.
Because a station takes card payments every day, a merchant cash advance can be collected as a share of daily card sales. It is not a loan, and its cost comes from a factor rate rather than interest.
Convenience store financing in Columbus, MS: convenience store purchases and equipment upgrades
Convenience stores (NAICS 445120) without a fuel side have a code of their own. The 2023 County Business Patterns figure for Lowndes County, MS is 15 such stores with paid staff; 8 of the 15 kept a payroll under five people.
For ZIP 39701, ZBP puts the 2023 count at 6 for convenience stores and 4 for gasoline stations.
Buying a convenience store works like a station store purchase without the forecourt: equipment, stock, name and lease, priced as a term loan. Upgrades a partner can finance include replacing old reach-in coolers, adding an ice merchandiser, a second register lane or a security camera kit.
Nonemployer Statistics for 2024 list 5 businesses with no paid employees under convenience retailers and vending machine operators (NAICS 44513), a broader code than the one above. The same source counts 4 gasoline stations (NAICS 4571) in the county without paid staff, with $469,000 in receipts between them.
How a Lowndes County, MS station store can pay for menu boards, a roller grill and coffee brewers
- Digital menu boards and interior signage: equipment financing.
- A roller grill, a warming case and coffee brewers: equipment financing, from one quote or several.
- A larger stock order ahead of a supplier price change: inventory financing.
- Payroll and supplier bills between deposits: a line of credit.
- The purchase of the store business: a term loan.
Illustration only, invented figures: a roller grill at $2,900, a two-brewer coffee station at $3,400 and an ice merchandiser at $6,300 make a $12,600 package. At an 11.5% annual rate over 36 months the payment works out to $415.50; the 36 payments total $14,958.00, with $2,358.00 of it interest.
Station payrolls across Lowndes County, MS listed 257 paid employees for mid-March 2023 (CBP). The Columbus, MS page covers what a station leasing its store site brings into a review, and the industries page sets stations beside restaurants and other stores.
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