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Gas Station Loans - Featured Arco Financings

First Financial Capital closes deals quickly and reliably within 2-4 weeks. Below are some of our recently featured financings.

First Financial Capital Secures Double-Faceted Financing for Innovative Convenience Store, Gas Station, and Carwash Project with Impressive 78% Loan-to-Value

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First Financial Capital has successfully provided the financing for the construction of a convenience store, gas station, and carwash. The complexity of this transaction involved a double-faceted financing with both refinancing of the existing land debt and providing a construction commitment bringing the LTV to 78%.   FFC looks to the sponsor first, then the collateral property, which is why our team was able to provide a custom-tailored loan with sizable construction disbursements and interest reserves.

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Just Financed: $4.3M Acquisition of a Southern California Arco

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First Financial Capital has successfully financed the acquisition of an Arco branded gas station in Torrance, California in less than one month.   As a relationship-based lender, the borrower exercised their track record with FFC to get a financing commitment for 70% of the purchase price prior to submitting an offer. This allowed for the borrower to secure the deal against other bidders with an all-cash offer and 3 week closing.     With our custom tailored loans that have no pre-payment penalties, and free renewals, the borrower can now seek conventional debt in leisure.

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Ventura County Gas Station Acquisition Financing

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First Financial Capital provided $3,300,000 for an acquisition of an Arco in Ventura County, CA. We moved quickly by working with the borrower's broker and went from first contact to fully funded in under ten days.

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Construction Loan for Arco Ampm, Three QSR, and Carwash Development

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First Financial Capital has successfully placed a $10,900,000 construction loan for the development of an Arco/ampm, three [QSR (quick service restaurant)](https://www.firstfincap.com/articles/acronyms), and carwash in Menifee, California at a [LTC (loan to cost)](https://www.firstfincap.com/articles/loan-to-cost-ltc) of 80%. The sponsor has an extensive background in both the development and operation within the retail space and has since become the largest Arco/ampm owner and operator in California. Despite the market uncertainty during the peak period of the COVID-19 pandemic in May, 2020, FFC was still able to provide the sponsor with an [LOI (letter of intent)](https://www.firstfincap.com/articles/letter-of-intent) in 24 hours. Three weeks thereafter, the borrower received the first draw of $2,725,000 of four in June, 2020. The ease of this transaction was only possible due to FFC being privatley capitalized which allowed for a quick credit descision process. Estimated completion of the project is set for December, 2021.

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3 Day Gas Station Refinance

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First Financial Capital completed a refinance of an existing gas station in three days. The borrower was in the final stages of obtaining [SBA financing](https://www.firstfincap.com/articles/sba-loan-small-business-administration-loan) to take out the preexisting lender, however the lender was adamant on the maturity date and was persistent on foreclosing on our borrower. With the ability to close in stellar speeds, FFC was able to complete a quick gas station refinance without any prepayment penalties. Our borrower’s [SBA financing](https://www.firstfincap.com/articles/sba-loan-small-business-administration-loan) completed one week thereafter and paid off their [OLB (outstanding loan balance)](https://www.firstfincap.com/articles/acronyms) with us without any fees.

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