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 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.

First Financial Capital is proud to have financed the acquisition of a premier Class A office building in Walnut Creek, CA for an existing client. This $6,000,000 transaction was successfully closed in just 30 days.

The penthouse level of the building will soon become our client’s new corporate headquarters.

Following up on our most recent closing in Goldendale, WA, First Financial Capital has successfully secured financing for the acquisition of another site for the same operator — this time in Bonney Lake, WA.

Last month, we structured a line of credit secured by a low-leverage gas station to set our client up for growth. This month, he drew $680,000 from that line to fund the down payment on a new $3,400,000 acquisition in Bonney Lake. We provided the financing for the remaining balance of $2,720,000— a seamless transition from refinance to acquisition.

First Financial Capital has successfully provided financing for a truck stop located in Goldendale WA.

Our goal was to provide the borrower with the maximum amount of leverage in order for them to continue their growth mode during this economic period so as a result we came up with a financing structure that included a refinance of about $1 million and an additional $2.7 million in the form of a line of credit that will be used for future acquisitions.

The benefit of this transaction involves the borrower having full flexibility to be able to deploy his equity at his leisure towards future acquisitions and interest will only be paid on only funds that are dispersed.

First Financial Capital is proud to announce the successful closing of a $11MM loan for the purchase of a Chevron in Salinas, CA – with 100% LTV financing.

We worked closely with our existing client to structure a tailored financing solution, leveraging other sites in their portfolio to secure maximum leverage and achieve 100% LTV. This particular Chevron location is a high-performing site, with strong fuel sales volume and exceptional margins for the area, making it a valuable addition to our client’s expanding portfolio. By recognizing the strength of both the business and the borrower’s existing assets, we provided a strategic financing solution that supported their growth objectives while maximizing their investment potential.

First Financial Capital is proud to announce the successful $3.99 million acquisition financing for a Mobil gas station in Oakland, CA. As a returning borrower, our client once again benefited from our streamlined process and tailored financing solutions, allowing us to close the transaction within 30 days.

First Financial Capital is pleased to announce the successful $1.7 million acquisition financing for a Chevron gas station in Northern California. As a returning client, the borrower benefited from our efficient process and tailored financing solutions, allowing us to close the transaction in under 30 days.

First Financial Capital successfully funded $2.5MM for the acquisition of a prime redevelopment site just off the airport in Salinas, CA, meeting an exceptionally tight closing timeline. The borrower plans to transform the now-closed property into a Chevron gas station.