Business Loans for Gas Stations and Auto Repair Shops in Cities and Towns Near Ardmore, OK

A storefront matters to an oilfield service company when it sells parts or rents tools over a counter; a yard and an office cover the rest of the work. Leasing retail space for a counter like that runs in five steps.

1. Measure what the counter needs: frontage, a stockroom, and parking that leaves room for a trailer.
2. Compare base rent with the extra charges for shared upkeep, taxes and insurance, since those move the real cost.
3. Ask what the landlord allows on signs and on outdoor storage of pipe, hose or racks.
4. Settle the term, the renewal option and which movable furnishings each party pays for; fixed fit-out work is excluded.
5. Price movable shelving and furnishings before signing so a funding request can name the amount; fixed build-out work is excluded.

Retail trade had more employer establishments than any other sector in three of the nearby ZIP Codes in 2023: 17 in ZIP 73443, 11 in ZIP 73438 and 19 in ZIP 73448 (ZBP). A parts counter there would be one more retail tenant where stores already lead the count.

Before signing for a yard, a shop or a counter, a tenant can go through these points with the landlord and an attorney:

• A permitted-use clause that names equipment storage, light repair and parts sales, not office use alone
• Gate width, yard surface and turning room for trailers and service vehicles
• Who pays for fencing, paving or lighting the landlord did not put in
• Wash-down and drainage terms, and who answers for a spill on the yard
• Power at the shop, including three-phase service for welders and compressors
• Base rent, the tenant's share of taxes, insurance and upkeep, and how each can rise
• Renewal options and an early-exit clause in case a contract ends sooner than planned
• Insurance limits the landlord wants listed on a certificate

A signed lease is one of the papers a funding partner can ask to see before it reviews movable furnishings or equipment; fixed build-out work is excluded, so the checklist and the request share a starting point.

With 60.7% of Carter County, OK's 84 mining, quarrying, and oil and gas extraction establishments under five employees in 2023 (CBP, NAICS 21), the office such a company leases can be one room for dispatch, billing and safety files.

Office leases come in a few shapes. Under a gross lease the rent includes taxes, insurance and upkeep; under a net lease the tenant pays some or all of them on top; a modified gross lease splits them. Ask which one is on the table, how after-hours access works, and whether the lease allows a sublease if the company outgrows the room.

Desks, computers and a phone system for the new office are a small equipment financing case; the deposit and the first months of rent are a working capital one.

A landlord can ask an oilfield service tenant for several things before it signs:

• Business tax returns or year-end financial statements
• Recent business bank statements
• A deposit held against damage or missed rent
• A personal guarantee from the owner
• Proof of insurance naming the landlord
• References from an earlier landlord
• For a yard, a description of what will be stored and worked on there

Several of those papers are the same ones a funding partner can request, so gathering them once serves both. Windpoint's part is the funding request; the lease is between the tenant and the landlord.

Each figure below belongs to a ZIP Code, not to a town. ZIP Code Business Patterns files a business under the ZIP of its physical address, and ZIP lines do not follow city limits, so the last column gives the share of each place's land inside the ZIP (2020 ZCTA-to-place relationship file, land area only). Dickson, OK has no ZIP Code of its own and is left out of the table.

Gas stations count under retail trade and auto repair shops under other services in these ZIP tables. For either one in Lone Grove, Healdton or Marietta, a request starts with the purpose: pumps, a cooler or a lift go to equipment financing, shelf stock and parts to inventory financing.

Lone Grove is a city in Carter County, OK whose land is divided: 56.2% lies in ZIP 73401, 38.8% in ZIP 73443 and 4.9% in ZIP 73463. ZIP 73443 carries the Lone Grove name and held 63 employer establishments in 2023, with retail trade's 17 the largest sector group (ZBP).

A Lone Grove shop with a ZIP 73401 address is counted in the ZIP 73401 figures, not in ZIP 73443. Self-employment ran to 11.0% of Lone Grove's employed residents in the 2020-2024 ACS (margin of error 4.2 points), a figure for the city itself rather than a ZIP.

All of the land of Healdton, a city in Carter County, OK, lies inside ZIP 73438, but the city covers only 20.0% of that ZIP. The ZIP held 66 employer establishments in 2023, 50.0% of them under five employees, and its sector rows include 11 in retail trade and 8 in mining, quarrying, and oil and gas extraction (ZBP).

For a Healdton, OK oilfield service company the same rule applies as in Ardmore, OK: each funding partner decides whether it looks at that work. Among Healdton's employed residents, 7.0% were self-employed (ACS 2020-2024, margin of error 2.9 points).

Wilson is a city in Carter County, OK that sits entirely within ZIP 73463 and covers 2.7% of the ZIP's land. In 2023 the ZIP held 62 employer establishments, and mining, quarrying, and oil and gas extraction led its sector table with 10, ahead of construction and retail trade with 9 each (ZBP).

A crew working out of Wilson that needs an equipment financing quote reviewed sends the same request as any other business; 7.4% of the city's employed residents worked for themselves (ACS 2020-2024, margin of error 2.4 points).

Carter County, OK numbers on this site stop at the county line, and Marietta, a city, lies in Love County, OK. Its ZIP, 73448, held 94 employer establishments in 2023, and 64.9% had fewer than five employees, the highest share among the ZIP Codes in the table above (ZBP). The ZIP is far larger than the city, which holds 1.2% of its land.

Retail trade, with 19, and professional, scientific, and technical services, with 10, were the two largest sector rows in ZIP 73448 (ZBP 2023).

Dickson is a town in Carter County, OK without a ZIP Code of its own: all of its land falls in ZIP 73401, the same ZIP as Ardmore, OK, and it covers 4.0% of that ZIP's land. Its employers are therefore inside the ZIP 73401 figures on the Ardmore, OK page, which cannot be split out by town.

In the 2020-2024 ACS, 14.2% of Dickson's employed residents were self-employed (margin of error 4.1 points), and 8.3% ran a business that was not incorporated. From an owner like that, a partner can ask for personal as well as business records.

Springer is a town in Carter County, OK, with 87.5% of its land in ZIP 73401 and 12.5% in ZIP 73458, the ZIP that carries the Springer name. That ZIP held 18 employer establishments in 2023, with 61.1% under five employees; the ZIP file lists two sector rows, construction with 4 and health care and social assistance with 3 (ZBP).