---
title: Ground Up Construction Financing for Commercial Real Estate | PetroCal
description: Grow your business with a commercial real estate loan explore all your options for gas station, c store, and carwash financing through PetroCal Associates
---

Contact us any time for a no-obligation consultation.  |    
[310.401.0055](tel:+13104010055)  |  [info@petrocalassociates.com](mailto:info@petrocalassociates.com)

[![petrocal-full-color-logo](https://www.petrocalassociates.com/hubfs/petrocal-full-color-logo.svg "petrocal-full-color-logo")](https://www.petrocalassociates.com)

- [Financing ](https://www.petrocalassociates.com/financing) 
    - [Overview ](https://www.petrocalassociates.com/financing)
    - [Middle Market Lending ](https://www.petrocalassociates.com/middle-market-lending)
    - [Small Business Lending ](https://www.petrocalassociates.com/small-business-lending)
    - [Construction Financing ](https://www.petrocalassociates.com/construction-financing)
- [Real Estate Brokerage ](https://www.petrocalassociates.com/brokerage) 
    - [Overview ](https://www.petrocalassociates.com/brokerage)
    - [Seller Representation ](https://www.petrocalassociates.com/brokerage/seller-representation/)
    - [Mergers & Acquisitions ](https://www.petrocalassociates.com/brokerage/mergers-acquisitions)
    - [Buyer Representation ](https://www.petrocalassociates.com/brokerage/buyer-representation/)
    - [Landlord / Tenant Representation ](https://www.petrocalassociates.com/brokerage/landlord-representation/)
    - [Listings ](https://www.petrocalassociates.com/brokerage/listings)
- [Why PetroCal ](https://www.petrocalassociates.com/why-petrocal/)
- [Transactions ](https://www.petrocalassociates.com/transactions)
- [Our Team ](https://www.petrocalassociates.com/meet-the-team)
- Resources 
    - [Blog ](https://www.petrocalassociates.com/blog)
    - [In the News ](https://www.petrocalassociates.com/in-the-news)
- [Free Consultation ](https://www.petrocalassociates.com/contact-us)

- [Financing ](https://www.petrocalassociates.com/financing) 
    - [Overview ](https://www.petrocalassociates.com/financing)
    - [Middle Market Lending ](https://www.petrocalassociates.com/middle-market-lending)
    - [Small Business Lending ](https://www.petrocalassociates.com/small-business-lending)
    - [Construction Financing ](https://www.petrocalassociates.com/construction-financing)
- [Real Estate Brokerage ](https://www.petrocalassociates.com/brokerage) 
    - [Overview ](https://www.petrocalassociates.com/brokerage)
    - [Seller Representation ](https://www.petrocalassociates.com/brokerage/seller-representation/)
    - [Mergers & Acquisitions ](https://www.petrocalassociates.com/brokerage/mergers-acquisitions)
    - [Buyer Representation ](https://www.petrocalassociates.com/brokerage/buyer-representation/)
    - [Landlord / Tenant Representation ](https://www.petrocalassociates.com/brokerage/landlord-representation/)
    - [Listings ](https://www.petrocalassociates.com/brokerage/listings)
- [Why PetroCal ](https://www.petrocalassociates.com/why-petrocal/)
- [Transactions ](https://www.petrocalassociates.com/transactions)
- [Our Team ](https://www.petrocalassociates.com/meet-the-team)
- Resources 
    - [Blog ](https://www.petrocalassociates.com/blog)
    - [In the News ](https://www.petrocalassociates.com/in-the-news)
- [Free Consultation ](https://www.petrocalassociates.com/contact-us)

# Financing Services

##### A banker works for a bank, PetroCal Associates works for you.

[ VIEW TRANSACTIONS ](https://www.petrocalassociates.com/transactions)

## We have a trusted national network of lenders that we’ve vetted over our decades in the carwash, gas station, and convenience store industries who have an appetite for your business.

##### Some lenders may not finance construction projects on leased land while others will. The same can be said about contaminated properties. Let us help pair you with the right loan at the right bank whose credit policies are in line with the details of your project. Whether it’s easing the burden of paperwork, shopping your deal to different lenders, or coordinating with multiple parties throughout the approval and closing stages, we make c-store, carwash, and gas station financing smoother, and more certain.

![icon-handshake](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-handshake.svg)

### We are the trusted partner every operator needs by their side.

PetroCal Associates is a boutique brokerage firm serving entrepreneurs seeking to launch and grow carwash, gas station, and c-store businesses with financing needs exceeding $1 million.

 

- We are commercial mortgage brokers who arrange financing to facilitate the process of acquiring, building, renovating, or refinancing
- We are real estate brokers who help you acquire, lease, or sell the perfect site

 

[ SMALL BUSINESS LENDING ](https://www.petrocalassociates.com/small-business-lending) [ MIDDLE-MARKET LENDING ](https://www.petrocalassociates.com/middle-market-lending)

![img-finance-section-1b](https://www.petrocalassociates.com/hubfs/petrocal-2021/img-finance-section-1b.jpg)

[![buyer-rep-icon](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/buyer-rep-icon.svg) 

](https://www.petrocalassociates.com/small-business-lending)

##### SMALL BUSINESS LENDING

##### $1 Million+

You deserve to establish or grow your business to a multi-million dollar enterprise without requiring intimate knowledge of loan programs and the mechanics of real estate transactions. Benefits of working with PetroCal include:

- Access a variety of loan programs including SBA 7(a), SBA 504, USDA B&I, and conventional commercial
- Trusted national network of lenders to make sure you secure the loan
- Experienced guide throughout the loan process

[ LEARN MORE ](https://www.petrocalassociates.com/small-business-lending)

[![icon-charting-up](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-charting-up.svg) 

](https://www.petrocalassociates.com/middle-market-lending)

##### MIDDLE MARKET LENDING

##### $10 Million+

When purchase opportunities arise, you need certainty of execution, and we’re here to help. Draw on our years of experience and let us be your trusted source to guide you in evaluating and financing expansion opportunities.

- Creative financing structures tailored to support growth based on proforma performance
- Multi-loan credit facilities including development lines for expansion
- Non-recourse structures available for larger operators

[ LEARN MORE ](https://www.petrocalassociates.com/middle-market-lending)

![icon-carwash-1](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-carwash-1.svg) ![icon-gas-pump](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-gas-pump.svg)

### Refinances

##### The market is ever-changing, and we help you identify the right time for refinancing and execution. Cash out on your equity or improve terms of existing debt.

[ TALK TO AN EXPERT ](https://www.petrocalassociates.com/contact-us)

![icon-carwash-2](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-carwash-2.svg) ![icon-c-store](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-c-store.svg)

![icon-sell-site-1](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/icon-sell-site-1.svg)

### Your Growth Partner

You deserve a partner that works beside you to finance your business’ growth so you can focus on what you do best. PetroCal helps clients:

- Transition from small business loans to middle market loan structures
- Leverage our trusted national network of lenders who will help you fund growth or shore up your balance sheet or both
- Finance multiple projects simultaneously

[ CONTACT US ](https://www.petrocalassociates.com/contact-us)

![img-finance-section-2](https://www.petrocalassociates.com/hubfs/petrocal-2021/img-finance-section-2.jpg)

#### EXPAND WITH AN EXPERT ON YOUR SIDE

[ VIEW TRANSACTIONS ](https://www.petrocalassociates.com/transactions)

#### trending insights

Stay Up to Date with Industry News

Our List of Top 2026 Carwash and Gas Station Trade Shows

 Stay ahead in the evolving carwash and gas station sectors with our annual roundup of the top trade shows for 2026. This curated list remains your go-to resource for discovering cutting-edge ...

[READ MORE](https://www.petrocalassociates.com/blog/our-list-of-top-2026-carwash-and-gas-station-trade-shows)

Our List of Top 2025 Carwash and Gas Station Trade Shows

 Stay ahead in the evolving carwash and gas station sectors with our annual roundup of the top trade shows for 2025. This curated list remains your go-to resource for connecting with industry leaders, ...

[READ MORE](https://www.petrocalassociates.com/blog/our-list-of-top-2025-carwash-and-gas-station-trade-shows)

The Top 10 Benefits a Commercial Mortgage Broker Offers Your Carwash or Gas Station Business

 Carwash and gas station businesses rely heavily on financial support through each lifecycle stage, from acquisition to construction to expansion. However, navigating the complexities of financing ...

[READ MORE](https://www.petrocalassociates.com/blog/top-10-benefits-commercial-mortgage-brokers)

[![Petrocal Associates](https://www.petrocalassociates.com/hubfs/petrocal-2021/icon/PetroCal-logo-black.svg "Petrocal Associates")](https://petrocalassociates.com/?__hstc=233546881.3d5b3932746b7e37ae3f2b3565dbaec2.1632159892026.1639516006062.1639581748479.70&__hssc=233546881.1.1639581748479&__hsfp=3750977655)

The trusted partner every operator needs by their side.

##### Financing

- [ Middle Market Lending ](https://www.petrocalassociates.com/middle-market-lending)
- [ Small Business Lending ](https://www.petrocalassociates.com/small-business-lending)
- [ Construction Financing ](https://www.petrocalassociates.com/construction-financing)

##### Real Estate Brokerage

- [ Seller Representation ](https://www.petrocalassociates.com/brokerage/seller-representation/)
- [ Buyer Representation ](https://www.petrocalassociates.com/brokerage/buyer-representation/)
- [ Landlord / Tenant Representation ](https://www.petrocalassociates.com/brokerage/landlord-representation/)

##### Helpful Links

- [ Why Choose PetroCal? ](https://www.petrocalassociates.com/why-petrocal/)
- [ Transactions ](https://www.petrocalassociates.com/transactions)
- [ Blog ](https://www.petrocalassociates.com/blog)
- [ Carwash Industry ](https://www.petrocalassociates.com/carwash)
- [ Gas Station Industry ](https://www.petrocalassociates.com/gas-station)
- [ Contact Us ](https://www.petrocalassociates.com/contact-us)
- [ Careers ](https://www.petrocalassociates.com/careers)

PetroCal Associates   
CA Dept. of Real Estate  
Real Estate Broker   
DRE #01929754

[P: 310.401.0055   
E: ](tel:310.401.0055)[info@petrocalassociates.com](mailto:info@petrocalassociates.com)

 

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