Boldmoor Financial of Lumberton, NC helps station and convenience store owners compare funding for fuel stock, equipment, remodels and purchases; funding partners review each request and decide. Robeson County, NC had 81 gasoline station employer establishments in 2023 (County Business Patterns).
At a glance
- Gasoline stations, Robeson County, NC
81 (CBP 2023)
- Convenience stores without fuel
21 (CBP 2023)
- Stations in the Lumberton, NC mail ZIP
38 (ZBP 2023)
Robeson County, NC pumps and quick-stop counters, counted
Gasoline stations (NAICS 4471) were third among Robeson County, NC 4-digit industries by employer establishments in 2023, with 81, after restaurants and other eating places (151) and religious organizations (126) (County Business Patterns). Convenience stores without fuel (445120) added 21; 102 is our sum of the two codes.
| Industry (NAICS) | Employer establishments | Employees | Annual payroll | Under 5 employees | In ZIP 28358 |
|---|---|---|---|---|---|
| Gasoline stations (4471) | 81 | 454 | $14.5 million | 51.9% | 38 |
| Convenience stores (445120) | 21 | 42 | $924,000 | 95.2% | 4 |
95.2% of the convenience stores had fewer than five employees. Nonemployer Statistics counted 16 gasoline stations and 10 convenience retailers with no paid employees in 2024, under 2022 NAICS codes.
Gas station equipment financing around Lumberton, NC
Dispensers, tanks and monitoring, canopies, coolers and point-of-sale systems are the equipment. Fuel equipment is specialized, so the partner wants the installer's quote and the supplier agreement. Equipment financing uses the item as collateral; a full rebuild with site work can need a term loan.
Gas station financing, explained for Lumberton, NC owners
A station has three cash streams to show: fuel, inside sales and any food or lottery commissions. A partner reads them separately, along with the fuel supply agreement and whether the station owns or leases the land. Clean monthly statements that separate fuel from inside sales read best.
A business loan for a convenience store: a Lumberton, NC primer
Without fuel, a convenience store is a small grocery: stock, coolers and staff. Shelf stock fits inventory financing; coolers fit equipment financing; a remodel fits a term loan.
Gas station loan for owners in Robeson County, NC
Illustration only, invented figures: a fuel load costs $32,000 and sells through in about 10 days, so the station carries $32,000 in fuel before the sales replace it. A line of credit or inventory financing can carry that load; a large one-time cost such as new tanks fits a term loan.
How to finance a gas station: the view from Robeson County, NC
Buying a station is a large request: land or lease, building, tanks, equipment and stock. Partners read the seller's returns and fuel volumes, any environmental reports, and the supply contract. Read the convenience store cost guide for the buyer's checklist.
Gas station loans near Lumberton, NC
Gas station loans run through the same request as any other structure. Describe the bill (fuel, equipment, remodel or purchase) and its timing; store-side notes are on the retail page.
Fuel, inside sales and the timing between them
- A fuel load is delivered and paid on the supplier's terms.
- Fuel sells through over days, with card fees taken from each sale.
- Inside sales add stock bought on separate vendor terms.
- Lottery and other commissions settle on their own schedules.
- Equipment, from dispensers to coolers, needs service and eventual replacement.
A station's request reads clearly when fuel and inside sales are shown as two separate businesses sharing a lot.
Paperwork for a station purchase in Robeson County, NC
- The seller's tax returns and monthly fuel gallons and inside sales.
- The fuel supply contract, its end date and any branding duties.
- Tank records, including any environmental reports.
- The lease or deed, and whether the land is part of the sale.
- An equipment list with ages for dispensers, tanks and coolers.
Station purchases are covered step by step in the convenience store buyer article.
Station payroll and size in Robeson County, NC
By our arithmetic from County Business Patterns 2023, gasoline stations in Robeson County, NC averaged 5.6 employees and $178,481 in annual payroll per establishment, or about $31,844 per employee. Counts include part-time workers, so the per-employee figure is not a wage rate.
51.9% of the county's stations had fewer than five employees, so many are run by an owner and a small crew. For a partner, that puts weight on the owner's own record and the store's bank statements, and less on management depth.
Fuel supply contracts and what they mean for a request
A branded station's supply agreement sets the fuel price formula, minimum volumes and sometimes image or equipment upgrades. Upgrades required by a supplier are a planned cost; financing them as equipment, with the supplier's specification attached, lets the payment run with the asset.
Station bills and fitting structures
| The bill | Structure to compare | Why it can fit |
|---|---|---|
| Fuel and shelf stock | inventory financing | Stock can secure the financing |
| Dispensers, tanks, coolers | equipment financing | Lifts and scanners back their own financing |
| Buying a station | term loan | Level installments across an agreed term |
Every sector is on the industry pages.
By Boldmoor Financial · Updated