http://blog.petrobancfinance.com/public COMMERCIAL LENDER TO THE GAS STATION AND C-STORE INDUSTRY Thu, 02 Jul 2009 23:15:19 +0000 http://backend.userland.com/rss092 en A major roadblock to transitioning to alternate fuels is the infrastructure that will supply them -- namely, the extensive pipelines and network of refueling stations to dispense them. Typically referred to as the "chicken and egg" problem, conventional wisdom is that we won't see widepread adoption of alternate fuels and ... http://blog.petrobancfinance.com/public/2009/07/02/refueling-stations-of-the-future/ National Petroleum & Convenience News (NPN) is currently surveying site visitors on whether they think it's a good time to invest in petroleum properties. Results to date are strongly in favor. 1) Do you think now is a good time to invest in buying more petroleum properties? Absolutely.   (80.00%) I'm interested.   (20.00%) I'm going ... http://blog.petrobancfinance.com/public/2009/06/18/time-to-invest/ RNCOS, a market research firm, has released a report that says the U.S. convenience stores industry should register impressive growth between 2009-2013. Entitled “U.S. Convenience Stores Market Outlook to 2013,” the report projects convenience stores sales will grow at a compound annual growth rate of approximately 5 percent due to strong demand for ... http://blog.petrobancfinance.com/public/2009/05/28/prospects-for-convenience-store-industry-promising-through-2013/ Many business owners pursue lease financing for desired accounting and tax treatment.  With a true (or operating) lease the property user can expense its monthly lease payment -- allowing for a typically larger monthly write-off) -- as opposed to depreciating the asset.  Also, with a true lease, the property user ... http://blog.petrobancfinance.com/public/2009/05/18/lease-or-not-to-lease/ National Association of Convenience Stores (NACS) working in partnership with Convenience Store/Petroleum (CSP),  released a State of the Industry Summit report in April 2009. Data is based on 156 retail chains with 20,000 convenience stores. Of particular interest: For 2008,  while the total number of stores (in the U.S.) dropped one percent, total industry sales ... http://blog.petrobancfinance.com/public/2009/04/14/nacs-csp-release-state-of-the-industry-report/ Gas station and convenience store owners seeking equipment financing for their operations should know these basic facts about equipment leasing to make the best decision for their business. The advantage of equipment leasing is that it makes expensive items more affordable for the business owner, or lessee, and enables him to ... http://blog.petrobancfinance.com/public/2009/03/03/guidelines-for-gas-station-equipment-leasing-buyer-beware/ CSP magazine highlights changes to economic landscape for commercial lenders and gas station loan borrowers in the C&G industry In its February 2009 issue, CSP magazine published an article titled Brave New World  that addresses the upheaval in the national economy and its impact on the Convenience & Gas industry. For the small independent ... http://blog.petrobancfinance.com/public/2009/02/25/commercial-loan-environment-for-gas-station-owners-a-brave-new-world/ If you’re an independent gas station owner/operator, finding financing means you have to go looking for it.  Traditionally, banks and other lenders haven’t come looking for you.   This is not because lenders don’t like your business. It’s because it’s difficult to reach an independent owner/operator.  Mass advertising is too expensive, given the relatively small ... http://blog.petrobancfinance.com/public/2009/02/19/who%e2%80%99s-lending-to-gas-station-owners-and-how-to-find-them/ A mortgage broker will typically charge one- to three-percent fees for successfully arranging a commercial real estate loan for your gas station.  With conventional loans typically averaging about $1 million, these fees can run from $10,000 to $30,000. The lending bank will also charge a loan origination fee, so now ... http://blog.petrobancfinance.com/public/2009/02/19/should-i-use-a-mortgage-broker-for-my-gas-station-loan/ During the underwriting and approval process for a gas station loan, the underwriter will review and analyze both the borrower’s financial data and the operational information.   The primary analysis will involve cash flow. The first thing the analyst will look at is a cash flow calculation.  Many banks will use different ... http://blog.petrobancfinance.com/public/2009/02/18/how-lenders-evaluate-your-gas-station-business/