7.3.25 - Fueling the Future

Fueling the Future: How TASI Bank Supports Gas Stations & C‑Stores in a Changing Industry

By Shawn McKenna

Introduction

California’s gas stations are transforming—fast. Part tech hub, part convenience store, and 100% essential, today’s gas stations are evolving into modern hybrids. For operators across the Bay Area and Southern California, opportunity lies in keeping pace.

At TASI Bank, we offer flexible SBA and commercial real estate lending options built specifically for gas station and c-store owners. From multi-entity operators to independent brands, our team understands what it takes to keep these businesses moving—literally and financially.

Industry Shifts: What’s Changing at the Pump

Gas station and convenience store operators are responding to new market demands. Here’s what’s shaping the future:

• Surging demand for EV charging stations—California leads the nation in EV adoption, and charging infrastructure is in high demand.
• The evolution of the convenience store—From fresh food and gourmet coffee to mobile payment kiosks and loyalty apps, c-stores are raising the bar.
• Growth of multi-site operators—Owners are expanding portfolios and rebranding under trusted fuel flags like Chevron, Arco, or 76.

These trends require capital—but more importantly, a lender who knows the terrain.

“At TASI Bank, we don’t just finance gas stations—we fuel the vision behind them. Whether it’s adding EV infrastructure or expanding a c-store, we tailor every loan to fit the operator’s business model and growth strategy.” - Shawn McKenna, Vice President, Relationship Manager, TASI Bank

TASI Bank’s Lending Approach

TASI Bank specializes in financing gas station and c-store businesses through:

• SBA 7(a) and SBA 504 Loans
  Ideal for renovations, new site acquisitions, EV infrastructure additions, or expanding c-store retail footprint.
• Commercial Real Estate (CRE) Lending
  Long-term financing for branded and owner-operated sites across California’s high-density counties.
• Multi-Entity & Franchise-Friendly Lending
  We work with borrowers who operate under multiple LLCs, franchise systems, or fuel brands.
• Relationship-First Financing
  You’ll have direct access to a dedicated Relationship Manager who understands your region—and your industry.

“We understand the complexity of gas station and c-store lending—layered ownership structures, regulatory compliance, and evolving revenue models. Our credit philosophy is simple: be responsive, be creative, and be invested in the long-term success of our clients.” - Viral Shah, Regional Vice President & Credit Administrator, TASI Bank

Client Snapshot: Reimagining a Station in San Jose

A longtime TASI Bank client operating five Bay Area locations recently completed a station upgrade in San Jose. The project included:

• Installing EV fast chargers
• Expanding the c-store footprint with hot food and local product offerings

• Financing with an SBA 504 loan through a TMC partnership
   

  Result: food service revenue increased in the first six months, and the site was recently named a regional top performer by its fuel brand.

Why Gas Station Owners Choose TASI Bank

✅ Deep expertise in fuel, c-store, and franchise lending

✅ SBA Preferred Lender = faster decisions and smoother closings

✅ Local insight across NorCal and SoCal

✅ Flexible lending for layered ownership structures

✅ Modern banking with a relationship-first approach

Let’s Build Your Next Location—or Reinvent Your Current One

If you’re a gas station or c-store operator planning your next expansion or renovation, talk to TASI Bank. We’ve been powering entrepreneurs for decades—and we’re just getting started.

Contact our Commercial Lending team mavericklenders@tasi.bank today to explore your financing options.