Recently Funded - Featured Financings

First Financial Capital successfully completed multifaceted financing structure in the amount of $4,965,000 in 30 days.

Transaction Overview
This custom financial solution was structured to address three simultaneous capital needs for the borrower, including real estate acquisition, business expansion, and capital improvements.

Deal Structure Breakdown
The $4,965,000 facility was allocated across three distinct components:

• Part 1: Leasehold-to-Fee Simple Acquisition (Arco Station) Financing provided to purchase the underlying land of an existing Arco-branded gas station. The operators previously owned the business operations but have now secured the real estate. FFC provided 100% of the proceeds.
• Part 2: 100% Business Acquisition First Financial Capital provided 100% of the cash proceeds required for the operator to acquire a new, separate business entity (Business Only Loan).
• Part 3: Cash-Out for Site Improvements A cash-out, non-revolving credit line was established to fund critical site improvements. Specifically, these funds are designated for the replacement of fuel tanks at an existing gas station owned by the borrower.

First Financial Capital is proud to announce the successful funding of a $2.6M acquisition loan for two Chevron gas station properties in Redding, CA.

This financing supports a strong operator who is actively expanding across the Bay Area and Northern California.

First Financial Capital successfully financed the land acquisition for an Arco branded gas station, covering a 20,972 SF lot at a $2,270,000 purchase price, financed at 100%.

The borrower already operated the site, having acquired the business with FFC financing three months ago. From the start, the plan was to finance the business first and the land second. The borrower had already negotiated the land purchase with the oil company before even closing on the business, so this deal was set up well in advance.

Strategized from day 1.

First Financial Capital successfully provided $1,700,000 in bridge financing for the acquisition of a 76 branded gas station located in Salem, Oregon.

The asset sites on a .34 acre corner lot and includes a 2,000SF convenience store with 4 MPDs.

Located in a densely populated residential area, the site benefits from strong convenience store sales while also serving as a compelling covered land play due to the underlying real estate.

First Financial Capital is pleased to announce the successful closing of a $2,800,000 cash-out refinance for a Mobil-branded gas station in Lakewood, CA.

The proceeds were structured as a non-revolving line of credit. Under this structure, the borrower retains full discretion over the funds and is only responsible for interest on the amount disbursed.

First Financial Capital has closed an $8,000,000 bridge loan secured by a 68-room boutique hotel in beautiful Laguna Beach, California. The facility was structured, underwritten, and funded in under a week. The transaction reflects FFC's continued focus on speed and certainty-of-execution.

First Financial Capital successfully funded the acquisition of a Valero-branded gas station in Antioch at 93% LTV in the amount of $2,830,000.

Located on a half-acre lot off the freeway, this deal presented significant challenges, including an expiring lease and a lack of historical financials from the operator. By leveraging our deep industry expertise, we developed realistic performance projections to overcome these hurdles and secure high-leverage financing for our client.

First Financial Capital successfully facilitated acquisition financing for a Chevron-branded gas station and convenience store in Livermore, California. This was a strategic purchase for a major Bay Area operator expanding their operations in the area.

First financial capital has successfully financed the acquisition of a Chevron branded gas station located in Hayward, California.

The purchase price totaled $3,950,000 with the borrower contributing only 20% down. We've structured and closed the transaction within 60 days this property sits on just under half an acre and includes an on site car wash.

First Financial Capital successfully provided 100% financing for the hard costs of a newly developed Arco-branded fuel facility, featuring a 4-MPD diesel station, 3,800 SF convenience store, and car wash.

Located just off the freeway on 2.57 acres along Interstate 215, the site is positioned to become a key fueling destination for truck operators and a high-visibility stop for highway travelers.

First Financial Capital has successfully financed the acquisition of a Sinclair blended gas station located in the city of Rufus, Oregon. The total price of this acquisition was 3,840,000. This transaction was unique due to the scope of real estate that was involved beyond the station itself, the acquisition included the purchase of five additional parcels in the surrounding area this assemblage comprised of both adjacent and surrounding lots bringing the total land area of the acquisition to 7.54 acres.

We are pleased to announce the closing of a $6,715,000 financing for a 76 branded gas station with an on-site car wash and self-wash facility located in Bremerton, Washington.

The borrower is an experienced owner-operator with a significant portfolio of stations in the surrounding market.

Backed by a $4.1MM loan, this transaction marks a strategic expansion for our client, whose strong and diversified portfolio continues to set the standard for gas station operations in Northern California.

First Financial Capital successfully funded $4,000,000 for the acquisition of a Chevron gas station in Berkeley, California. The borrower, an experienced operator with a growing portfolio of fuel and convenience assets across the Bay Area, secured this high-visibility location to further expand their regional footprint.

First Financial capital has successfully financed the acquisition of a seven-acre Conoco branded gas station located in Athol, Idaho.

The property operates as a mini truck stop featuring 2 fueling canopies and a 3,000 square foot convenience store with ample flat land designed for future development which will be used towards the development of a truck dealership.

First Financial Capital is proud to announce the successful funding of a $1.1MM acquisition loan for a Shell gas station in the Stockton, CA area.

The loan was structured with 100% financing, allowing our client to acquire the asset without an equity contribution. The borrower is a seasoned jobber with a strong footprint in the retail fuel market.

First Financial Capital has successfully financed the construction expenses for the development of a Chevron branded gas station, 4000 square foot convenience store, a quick service restaurant space and a car wash in Fairfield, CA. This will be a state-of-the-art Chevron gas station sitting on 1.65 acres which we project will be pumping 350,000 gallons a month in addition to having a express car wash with 18 vacuum stations.

First Financial Capital has successfully provided financing for the acquisition of a Valero gas station in Tracy, CA.

The borrower, a seasoned operator with several sites already under ownership in the region, was seeking to strategically expand his portfolio. Our objective was to structure financing that maximized leverage while maintaining operational flexibility. As a result, we provided a $1.9 million acquisition loan that allowed the borrower to preserve liquidity and continue pursuing additional opportunities.

First Financial Capital has successfully financed the acquisition of the land for an existing operator of a gas station in Vacaville CA. Providing financing for this site with seamless since the borrower had already owned the business and was simply exercising the right to purchase the land. We stepped in and provided 100% of the financing, funding the full $2,900,000 acquisition.

First Financial Capital has successfully closed the refinance of a 5 gas station portfolio spanning across California and Nevada the purpose of this refinance was to provide cash out proceeds to cover a complicated payoff structure that included removing various types of liens, satisfying a judgment, legal settlement and working capital.

First Financial Capital has successfully financed the acquisition of a Chevron-branded gas station in Yuba City in the amount of $2,000,000 at an LTV of 76%. The swiftness of this transaction stemmed from the lender–borrower relationship built over the past year. The borrower called us directly, and within five minutes we ran through the loan scenario. This gave the buyer the confidence to draft an offer without even having a term sheet in hand. Shortly thereafter, we issued a term sheet and delivered loan documents that mirrored exactly what was discussed on that initial call.