SBA loans to gas stations with convenience stores in California under the 2017 NAICS code
Short answer
SBA's loan file shows 246 loans to gas stations with convenience stores in California since October 2019. The median loan was $1,802,500, 57% above the national median of $1,146,000. Fewer than 5 of them went through SBA Express, against 8.4% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 246
- median loan
- $1,802,500
- dollars approved
- $518.48M
Few loans since October 2023
SBA's file shows fewer than 5 loans for gas stations with convenience stores in California approved since October 2023. The figures below describe earlier lending, from October 2019 to June 2026.
These are the 246 SBA 7(a) loans to gas stations with convenience stores in California approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How California differs from the U.S.
What this means for you. Use the local range, not the national one, to judge your own request: half of these loans in California ran from $1,022,000 to $2,997,500.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $1,802,500 in California, 57% above the national median of $1,146,000.
The middle half of loans in California ran from $1,022,000 to $2,997,500. Nationally the middle half ran from $613,000 to $2,093,000.
SBA Express
Fewer than 5 of the 246 loans in California went through SBA Express, against 8.4% nationally.
We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. One more difference is in the table.
California next to the U.S.
| Measure | California | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.63% | 0.44% | No clear gap |
| Median loan | $1,802,500 | $1,146,000 | Clearly higher |
| Middle half of loans | $1,022,000 to $2,997,500 | $613,000 to $2,093,000 | – |
| Startups (the loan opens the business) | 8.9% | 10.7% | No clear gap |
| In business 2 years or less | 13.0% | 20.0% | No clear gap |
| In business more than 2 years | 45.9% | 40.5% | No clear gap |
| Change of ownership | 31.3% | 26.9% | No clear gap |
| SBA Express | Fewer than 5 | 8.4% | Clearly lower |
| Lines of credit | Fewer than 5 | 3.7% | Clearly lower |
| Median term | 25 years | 25 years | – |
| Median spread over Prime at approval | 1.75 points over Prime | 1.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in California
The 5 lenders below made 116 of the 246 loans approved October 2019 to June 2026, or 47.2%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Celtic Bank | 35 | 14.2% | 6.6% |
| Commonwealth Business Bank | 28 | 11.4% | 3.7% |
| Open Bank | 27 | 11.0% | Not in top 5 |
| Readycap Lending, LLC | 13 | 5.3% | 3.8% |
| United Business Bank | 13 | 5.3% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Gas stations with convenience stores in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| Texas | 337 |
| Georgia | 142 |
| Washington | 128 |
| Illinois | 66 |
More industries in California
Other industries in California with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 1,924 |
| Fast-food, pizza and counter-service restaurants | 1,330 |
| Dental practices | 694 |
| Plumbing and HVAC companies | 639 |
| Gyms, fitness studios and recreational sports centers | 632 |
| Home remodeling contractors | 621 |
| Auto repair shops | 618 |
| Local trucking companies | 616 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to gas stations with convenience stores in California under the 2017 NAICS code. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/gasoline-stations-with-convenience-stores/california/
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