Maplevale Credit, a small-business funding service in Johnson City, TN, helps station owners and buyers separate fuel, store stock, equipment and purchase costs, and passes the request to funding partners who decide. This page covers buying a station, station lenders, inventory and equipment funding, and Washington County, TN station counts from the Census Bureau.
At a glance
- Gasoline stations with paid employees, Washington County, TN
63 (CBP 2023)
- Share under 5 employees
28.6% (CBP 2023)
- Convenience stores (no fuel) with paid employees
4 (CBP 2023)
Washington County, TN gasoline stations, NAICS 4471
County Business Patterns counted 63 gasoline stations (NAICS 4471, which includes stations with convenience stores) with paid employees in Washington County, TN in 2023, with 435 paid employees; 28.6% had fewer than five employees, and 27 had a ZIP 37601 address. Convenience stores without fuel are a separate code with 4 employer establishments.
Nonemployer Statistics counted 3 gas station businesses without paid employees in 2024, at the renumbered NAICS 2022 code 4571; it is a separate count. By our arithmetic, CBP stations averaged about 6.9 employees each.
| Industry (NAICS) | Employer establishments (CBP 2023) | Paid employees (CBP 2023) | Share under 5 employees | Annual payroll (CBP 2023) | ZIP 37601 employer count, ZBP 2023 | No-payroll businesses, NES 2024 count |
|---|---|---|---|---|---|---|
| Gasoline stations (4471; NES 4571) | 63 | 435 | 28.6% | $15.8 million | 27 | 3 |
| Convenience stores (445120; NES 44513) | 4 | 6 | 100.0% | $134,000 | not published | 11 |
Can you get a business loan to buy a gas station? Notes for Washington County, TN businesses
A business loan can be part of buying a gas station, but rarely all of it. The land and building run through a commercial mortgage, which Maplevale Credit does not arrange. A term loan may cover the business side: equipment, the store's fixtures and stock, and the goodwill. A partner reads the seller's fuel volumes, store sales and the fuel supply agreement.
How to finance a gas station: what Johnson City, TN owners should check
- Real estate: a commercial mortgage, outside Maplevale Credit's shapes.
- Fuel and store stock: inventory financing or a line of credit.
- Pumps, canopies, coolers and point-of-sale: equipment financing.
- The business purchase itself: a term loan.
Gas station lenders, explained for Johnson City, TN owners
Gas station lenders include banks with commercial real estate programs, equipment finance companies, fuel suppliers that offer branding incentives, and funding partners for working capital and stock. Each reads a different part of the business. Maplevale Credit sends a request to partners that fund the part you describe.
Gas station funding: a Johnson City, TN primer
Gas station funding for an operating station is mostly about stock and timing: fuel loads paid on delivery, store stock bought weekly, and card settlements that arrive a day or two later. A line of credit or inventory financing can carry the load between delivery and sale.
Gas station loans for owners in Washington County, TN
Gas station loans for an operating business can also fund a store remodel, new coolers, a food-service counter or replacement dispensers. Bring the contractor's or vendor's quote. A partner may ask for fuel and in-store sales separately, since they carry different costs.
Station payroll across Washington County, TN, by our arithmetic
County Business Patterns reported $15,793,000 in 2023 payroll for the county's 63 gasoline stations. By our arithmetic that is about $36,306 per paid employee and about $250,683 per station. Payroll includes part-time clerks, so the per-employee figure is not a wage rate.
Where Washington County, TN stations sit by ZIP and size
ZIP Code Business Patterns placed 27 of the 63 stations at a ZIP 37601 address in 2023, about 42.9% by our arithmetic, and County Business Patterns counted 18 with fewer than five employees. Nonemployer Statistics found 3 station businesses without paid employees in 2024, with $675,000 in receipts; with so few, an average would say little.
Sizing a fuel-load line for a Johnson City, TN station, worked
Illustration only, invented figures: a station pays $38,000 for each fuel load on delivery. Card sales of $4,500 a day settle two days late, so about $9,000 is always in transit. A line sized to one load plus the money in transit would be $47,000. Compare that with the supplier's own payment terms before you request it.
Business loan to buy a gas station: what Johnson City, TN owners weigh
- Read three years of the seller's tax returns and monthly sales, fuel and store separately.
- Read the fuel supply agreement: term, volume commitments, transfer rules.
- Order the environmental and tank reports your lawyer recommends.
- Price the equipment that will need replacing soon.
- Then size the request.
Convenience retail is part of retail; see the retail page and every industry page.
By Maplevale Credit · Updated
