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🏦 Multi-Site & Capital Events

Going to the bank for financing? Are your numbers in the right format?

Lenders want a specific format and specific reports. Most owners hand over QuickBooks PDFs and wait. We prepare the gas station financial package the lender actually wants — which makes the SBA loan gas station application or gas station refinancing happen faster and at better terms. Our outsourced gas station accounting team builds lender-ready packages that answer underwriting questions before they're asked.

Book a Free Review
10 deliverables 4-step process
The Problem

Why bank packages stall

01

Lenders want a specific format (3 years of financials + interim + projections + tax returns + DSCR calc).

02

Gas station lenders want station-specific data — gallons sold, fuel margin, store margin, environmental compliance status.

03

Owner-prepared packages usually miss something, which restarts the underwriting clock.

04

Without clean projections, DSCR calculations don't work, and the loan terms suffer.

05

SBA loan gas station applications have additional documentation requirements — business plan, personal financial statements, and acquisition-specific schedules — that most gas station owners don't know about until the underwriter asks.

06

Gas station refinancing packages require current-state financials plus forward projections that demonstrate improved cash flow — a gas station financial package that just shows historical performance isn't enough.

What's Included

Scope, spelled out

01

Three-year audited / reviewed / compiled financials (whichever the lender requires)

02

Interim financials through most recent period

03

Three-year projections with documented assumptions

DSCR (Debt Service Coverage Ratio) calculation
Gas-station-specific KPI report (gallons sold, fuel margin, store margin, etc.)
Environmental compliance status documentation
Personal financial statement support for the guarantor
SBA loan gas station document checklist with lender-specific requirements
Gas station financial package in the format of your specific lender (Live Oak, SBA 7(a), local bank)
Gas station refinancing pro forma with projected cash flow improvement
How We Do It

Step by step

01

Get the lender requirements

Different lenders want different formats. Local banks vs. SBA loan gas station programs vs. gas-station-focused lenders (e.g., Live Oak Bank). We match the gas station financial package to the format.

02

Build from clean books

If books need cleanup first, we do that. No gas station financial package on dirty books — the lender will see through it.

03

Project realistically

Projections grounded in your actual operational history, with documented assumptions. Gas station refinancing projections that show their math get approved faster.

04

Hand over the binder

PDF + Excel gas station financial package, lender-ready. You take it in; if the lender asks follow-up questions, our gas station CPA team answers.

The loan happens faster and at better terms because the package answers the lender's questions before they ask them.

What owners say after the first full month

FAQ

Frequently asked questions

Local community banks, SBA loan gas station programs, gas-station-focused lenders like Live Oak Bank. We adapt the gas station financial package to the lender.
We don't represent you in negotiation — that's your relationship with the lender. We provide the gas station financial package that strengthens your position.
Portions of this work are by nature semi-manual — every lender's package is slightly different. We scope it precisely at the start of the engagement.
An SBA loan gas station application typically requires three years of tax returns, three years of financials, interim statements, personal financial statements, business plan (for acquisitions), DSCR calculation, and station-specific KPIs. Our gas station financial package covers all of these in the format the SBA lender expects.
Gas station refinancing packages focus on current performance versus original loan terms, cash flow improvement since origination, and forward projections. The gas station financial package for a refi emphasizes that the new terms are justified by improved operations — and that requires clean, current books.
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Pairs well with

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The difference

A generalist bookkeeper vs. FuelCFO

Same line item on your P&L - handled two completely different ways.

Generalist bookkeeper FuelCFO
Who does the work A generalist bookkeeper who also does plumbers and salons A team that does Multi-Site & Capital Events for stations all day
How often Monthly - or whenever something finally breaks Daily or on a set cadence, before it breaks
Level of detail One blended number you can't act on Broken out by grade, stream & category
Catching errors Surfaces at year-end, if ever Flagged within 24-48 hours
Industry fit Generic small-business templates Built only for fuel & c-store - Bank Loan & Financing Package Support included
What you get A tax-season P&L and a shrug A one-page owner report you actually use

Who it's for

Built for how you actually operate

Bank Loan & Financing Package Support is delivered the same disciplined way whether you run one pump island or fifty - only the scope scales.

Single-site owner-operators

You run one location and wear every hat. Bank Loan & Financing Package Support gets done right - without you learning a new system or hiring in-house.

Multi-site & store groups

Two to fifty locations. We standardize Bank Loan & Financing Package Support across every store so your numbers are comparable site-to-site and roll up cleanly.

Branded & unbranded dealers

Jobber-supplied or fully independent. The work adapts to your supply agreements, fuel brand, and back-office system.

Free tools & resources

Go deeper before you book

Run the numbers yourself, then let our team take the work off your plate.

Guide

Gas Station Accounting Checklist

The month-end close every station should run.
FAQ

Gas Station Accounting FAQ

44 answers on fuel, tax, POS & compliance.
Blog

Articles & insights

How real stations fix margins, tax & shrinkage.
Local

Gas Station Accountant by city

Local pages for NYC, Houston, LA, Chicago & Atlanta.
Catalog

All accounting services

Every service we run for the Multi-Site & Capital Events side & more.

Book a Free Books Review

Find out what your numbers are really telling you.

Book a free books review. We'll look at your setup, show you what's missing, and tell you exactly how we'd fix it. No pressure, no obligation.

  • 30-minute call, your time
  • We look at a sample of your books
  • Clear scope & pricing afterward

Prefer to skip the form? WhatsApp us or email info@fuelcfo.com.