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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.

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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

Exactly what you get

Every piece of work delivered as part of this service. No "we'll figure that out" — the scope is the scope.

Three-year audited / reviewed / compiled financials (whichever the lender requires)
Interim financials through most recent period
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

The actual process — step by step

1

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.

2

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.

3

Project realistically

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

4

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 typically 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.

Related Services

Often paired with this one

Store Acquisition & Disposal Support

Gas station acquisition due diligence, opening / closing balance sheets, gas station purchase price allocation, and transition accounting. For buying or selling stations — our team ensures you walk into (or out of) the deal with clean numbers.

See the service →

Multi-Location Consolidation

Consolidated financials across stations with per-site drill-down. See the portfolio AND each location, same monthly cadence. Our multi-location gas station accounting delivers a gas station P&L by location plus portfolio-level consolidation for multi-site operators.

See the service →

Gas Station Entity Tax Support

Gas station tax preparation, dealer vs. lessee analysis, environmental / UST compliance cost tracking. Whether you're an S-corp gas station, LLC, or partnership — our gas station CPA team prepares returns that reflect how your station actually runs.

See the service →

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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

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