Executive Summary
GulfPoint Fuel & Market, LLC will be the new independent gas station and convenience store opening at the Westchase District of Houston. The area has steady traffic, strong commuter flow, and thousands of nearby apartment units, which makes it a dependable location for daily fuel and convenience purchases. Many local drivers, office workers, and ride-share drivers rely on nearby stations for regular fueling and quick store items.
The station will open with clean facilities, safe operations, and a consistent customer experience. We will keep fuel prices slightly below the area average, keep the store well stocked, and maintain a simple, friendly service style. To complete the buildout and launch the station, we are seeking an SBA 7(a) loan that will help us install pumps, refurbish tanks, finish the C-store buildout, stock the inventory, and maintain stable operations during the opening period.
Our focus is on a smooth launch, steady fuel volume in the first year, and gradual improvements that support long-term growth.
Founders & Management Strength
Founders bring hands-on experience and operational skills that fit this business model:
Rohan Malik (60% Managing Owner)
Former district manager for a national C-store chain, with direct experience in managing 14 stores across Houston. Responsibilities included are fuel operations, staffing, compliance, vendor management, and day-to-day store supervision.
Priya Sethi (40% Ownership, Operations and Accounting Lead)
Priya brings 7 years of hands-on accounting and retail inventory experience, including responsibility for store budgets, inventory controls, and vendor payments. Her role brings stability in ordering, pricing oversight, and financial routines.
This combined experience ensures our gasoline station runs smoothly from day one. We will be fully involved in staffing, fuel ordering, pricing, equipment checks, and daily routines to keep customer trust and operational consistency.
Opportunities
Drivers in the Westchase District make quick fuel stops and respond well to clear pricing, a clean and organized store, and simple promotional offers, which support steady inside-store revenue.
There is also consistent sales of small convenience items throughout the day. So, it’s a space to raise inside-store sales. Items such as energy drinks, snacks, tobacco, and hot food have strong movement in this district. With a better-organized layout, bundle deals, and a small loyalty reward, we can lift the average ticket without changing daily routines.
Fuel volume can also rise through small price steps. A consistent price gap of about five cents below nearby stations draws steady traffic without cutting margins too far. This creates a base level of gallons that can be held through most months.
The planned upgrades, cleaner environment, and faster checkout give the station a clear way to build steady repeat visits. These steps help us grow both fuel volume and in-store sales while keeping operations simple.
Our Customers
GulfPoint Fuel & Market will serve the same daily flow of commuters and local residents that pass through Westchase, while also reaching:
- Apartment residents within 1.5 miles (6,800+ units)
- Corporate employees from Westchase Business District
- Ride-share and delivery drivers who fuel often
- Travelers coming from Beltway 8
- Nearby hotel guests looking for quick purchases
This mix creates strong day-to-day fuel demand and consistent inside-store sales from drinks, snacks, bakery items, and tobacco products.
Financials
Since this is a new build, there are no historical financial records. The following projections reflect a realistic ramp-up period for an independent fuel station with a fuel-heavy revenue mix. EBITDA improves each year as fuel volume and inside-store sales increase, though full break-even is expected after Year 3.
Projected Revenue and EBITDA
| Year | Avg Monthly Revenue ($) | Annual Revenue ($) | EBITDA ($) |
|---|---|---|---|
| 1 | 335,500 | 4,026,000 | (-207,600) |
| 2 | 362,450 | 4,349,400 | (-175,030) |
| 3 | 392,337 | 4,708,050 | (-136,542) |
Break-Even Overview
- Estimated break-even revenue: ≈ $540,000 per month
- Blended gross margin: ~8.5 percent
- Fuel volume needed: ~120,000–130,000 gallons per month
- Expected break-even timing: Year 4, assuming continued volume and store growth
The blended gross margin reflects a fuel-heavy sales mix, where fuel drives revenue but contributes a lower percentage margin than inside-store sales.
Revenue Mix Assumptions
This projection reflects the following operating mix:
- Fuel sales:
82,500 → 94,000 gallons per month over Years 1–3
Average margin: ~$0.12 per gallon - Inside-store sales:
Starting at ~$55,000 per month
Growing at ~15 percent annually
Loan Details
| Item | Value |
|---|---|
| Loan Type | SBA 7(a) Loan |
| Loan Amount | $760,000 |
| Equity Injection | $132,500 (15 percent) |
| Total Project Cost | $892,500 |
| Loan Term | 10 years |
| Interest Rate | Prime + 2.5 percent |
| Repayment Structure | Monthly principal and interest |
| Estimated Annual Payment | ~$118,000 |
Funding Requirements
The total project cost to develop and open GulfPoint Fuel & Market is $892,500.
The project will be funded through:
| Source | Amount |
|---|---|
| SBA 7(a) Loan | 760,000 |
| Owner Equity Injection (15%) | 132,500 |
| Total Funding | 892,500 |
The SBA loan amount covers all construction and start-up needs, including:
- Fuel pumps and the POS system
- Underground storage tank refurbishing
- C-store buildout, shelving, and refrigeration
- Signage and canopy upgrades
- Initial fuel load and first inventory
- Licensing, permits, and insurance
- Working capital for the first 90 days of operations
This funding structure supports the complete buildout, equipment installation, inventory setup, and early operating cash needs for a stable launch.
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Business Overview
GulfPoint Fuel & Market will be located at 12745 Briar Forest Drive, Houston, TX 77077. It’s in the Westchase District, a busy commuter corridor with strong weekday traffic and a large base of apartment residents, office workers, hotel guests, and ride-share drivers.
This location gives the station steady visibility and consistent demand for fuel, snacks, drinks, and essential convenience items. GulfPoint is a Texas LLC, providing the owners with legal protection and flexibility to operate the station and manage vendor contracts.
To set up the fuel station and convenience store, the following site improvements and installations are planned:
- Pump upgrades and POS system installation
- Storage tank refurbishing
- Lighting and canopy improvements
- Propane exchange setup
- Air pump and digital vacuum installation
- Security cameras and surveillance systems
- ADA-compliant interior spacing and customer pathways
The station will be founded and operated by two experienced professionals:
| Founder | Role | Experience / Background | Specialization |
|---|---|---|---|
| Rohan Malik (60%) | Operations Lead | Former district manager overseeing 14 C-stores across Houston | Fuel ordering, pricing, staffing, and daily workflow |
| Priya Sethi (40%) | Accounting and Inventory Lead | Seven years in accounting and retail inventory work | Budgeting, vendor payments, and inventory control |
Based on their combined expertise, the mission of GulfPoint Fuel & Market is:
To offer clean, fairly priced fuel and a reliable convenience store that commuters and local residents can depend on every day.
Moreover, our vision is to become a trusted daily stop in the Westchase community by keeping operations organized, maintaining steady service, and improving the store as customer demand grows.
At GulfPoint, our business goals are to:
- Launch GulfPoint Fuel & Market and build an initial base of repeat customers.
- Reach 75,000–90,000 gallons of fuel volume per month by the end of Year 1.
- Grow inside-store sales to about $70,000 per month.
- Maintain a stable cash flow during loan repayment.
- Increase annual revenue to $4.7M by Year 3.
- Reach break-even by Q1 2028 (Year 4).
- Add new services after Year 2 as demand grows.
The total project cost for GulfPoint Fuel & Market is $892,500, which includes:
| Category | Cost ($) |
|---|---|
| Pump + POS upgrades | 210,000 |
| Underground tank refurbishing | 130,000 |
| C-store renovation | 95,000 |
| Refrigeration | 32,500 |
| Signage + canopy work | 28,000 |
| Security system | 8,000 |
| Initial fuel load | 180,000 |
| Initial C-store inventory | 36,000 |
| Licensing + insurance | 18,000 |
| Working capital (90 days) | 155,000 |
| Total Startup Cost | 892,500 |
This investment ensures the gas station is fully prepared for opening and supports stable operations from day one while offering a clean, dependable, and convenient experience for the Westchase community.
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Market Analysis
The gas station market has been growing for the past few years. It’s expected to reach $2.87 trillion in 2025, with yearly growth of about 4.9%. This growth comes from more car ownership, city expansion, better roads, changes in fuel prices, and the way people travel.
Furthermore, the gasoline station market size is expected to see strong growth in the next few years. It will grow to $3.5 trillion in 2029 at a compound annual growth rate (CAGR) of 5.1%. This rise is linked to the shift toward electric cars, new fuel types, hybrid vehicles, changes in daily travel habits, and partnerships between gas stations and energy companies.
Local Market Size
The gas stations with convenience stores industry in Texas is a large and stable market. In 2025, the industry is valued at approximately $53.4 billion, reflecting the state’s high vehicle usage and consistent fuel demand. There are about 10,239 gas station businesses operating across Texas.
Over the past five years, the number of businesses has declined slightly at a rate of 0.6% per year, while the total market value has grown at an annual rate of 0.1%. The industry employs about 80,185 people in 2025, with employment increasing slowly at nearly 0.2% per year, which shows steady daily demand for fuel and convenience store services across the state overall.
Market Trends
The fuel and C-store market trends in the Westchase District show clear patterns that guide how our station will operate.
- Drivers in this area check GasBuddy and Waze before picking a station.
- Nearby Chevron, Shell, and Exxon change prices often, so people compare before they stop.
- Commuters on Briar Forest and Westheimer want stations that are clean, well-lit, and easy to enter and exit. This is most important during busy morning and evening hours.
- Bottled water, energy drinks, snacks, and tobacco sell fast in this district.
- Ride-share and delivery drivers refuel in Westchase several times a week.
These trends show that stations in this part of Houston compete through clear pricing, fast service, and a set of convenience items that match commuter and work-route habits.
Target Demographics
Our gas station will attract daily customers who look for clean space, steady prices, and quick service. This includes:
- Commuters who travel on Briar Forest Drive and Westheimer Road
- Residents living in the many apartments near the station
- Office workers from the Westchase District
- Hotel guests who stop for fuel and small items
- Ride-share and delivery drivers who refuel often
Each group contributes to steady fuel demand and consistent inside-store sales. These customers want reliable prices, quick checkout, and a station that feels safe and easy to use.
Competitor Analysis
GulfPoint will face both direct and indirect competitors in Westchase. Each one serves different types of customers and has its own strengths and weaknesses.
| Competitor | Type | What They Offer | Weakness / Note |
|---|---|---|---|
| Chevron – Briar Forest | Direct | Branded fuel, standard C-store | Higher prices and slower checkout |
| Shell – Westheimer | Direct | Clean site and visible location | Premium pricing compared to local stations |
| Exxon – Westheimer | Direct | Strong brand and heavy traffic | Tight entry and exit, congested site |
| Walmart Fuel Center | Indirect | Low-priced fuel | Not close enough for daily Westchase traffic |
| Sam’s Club Fuel | Indirect | Discount fuel | Membership required |
| Hotel C-store kiosks | Indirect | Snacks and drinks | Limited selection and higher pricing |
Differentiation Angle
We plan to keep the core station setup simple while adding a few extra points that matter most to customers:
- Fuel prices were kept about $0.05 below the area average
- Fast checkout with a dual-register system
- Clean and well-lighted station with easy-to-read signs
- Fresh morning snacks stocked each day
- Loyalty rewards and bundle discounts that encourage return visits
These additions help our station stand out while keeping it familiar and easy for customers who fuel and shop in Westchase every day.
Fuel Offerings & Store Products
The gas station will open with a full range of fuel grades and convenience items, which reflect what drivers in the Westchase area already buy every day. Our fuel offerings include:
Store Items
Along with the core fuel grades, the station will also carry C-store items that support daily needs and quick stops.
Together, these items help the station attract steady walk-in customers and serve routine needs for drivers.
Additional Services
We will provide the additional services that drivers rely on during daily trips. Our services include:
- Propane Exchange: Customers can bring in empty propane tanks and exchange them for filled tanks at $18.50.
- Air Pump + Digital Vacuum: A self-service station priced at $2 per cycle.
- ATM: Available inside the store with a $2.25 fee.
- Morning Food Items: Fresh morning items delivered daily by a local Houston partner.
These services make each visit easier for drivers and keep the station supplied with items that bring them back.
New Additions Post-Launch
After the station opens, we plan to add a few updates that make the location easier to use and more appealing for daily customers.
| New Addition | What It Is | Price / Details | Why It Matters |
|---|---|---|---|
| Morning Add-On Item | Small morning snacks from a local vendor | Regular pricing | Attracts morning commuters and builds repeat traffic |
| Fuel + Coffee Bundle | Discount when buying fuel and coffee | Small price reduction | Encourages larger transactions and repeat visits |
| Fuel + Vacuum Coupon | Coupon printed after fuel purchase | Limited-time offer | Pushes customers to try add-on services |
| Loyalty Program | Cash-back rewards through a simple card system | 2% back on store items | Helps bring back regular customers |
These updates help keep the location simple to navigate while giving customers practical reasons to return more often.
Sales and Marketing Strategy
Marketing Channels
We’ll use several marketing channels to reach commuters, residents, hotel guests, and ride-share drivers. Here’s a breakdown:
| Marketing Channel | Monthly Budget ($) | What It Does |
|---|---|---|
| Google Maps & Fuel-Search Visibility | $880 | Helps drivers find the station when searching “gas near me.” |
| Fuel Price Apps (GasBuddy, Waze) | $660 | Shows our fuel prices and attracts price-sensitive customers |
| Roadside Signage & Canopy Visibility | $440 | Reaches commuters passing Briar Forest and Westheimer |
| Hotel Partnerships (Front-desk referrals) | $220 | Directs travelers to our gas station for fuel and snacks |
Total Budget: $2,200 per month
This mix provides strong visibility for drivers who rely on maps and fuel apps, reaches daily commuters through clear signage, and builds consistent traffic from hotel guests and local offices. This approach gives us steady visibility and keeps our marketing plan clear and easy to manage.
Customer Retention & Acquisition Plan
Our main focus is on building repeat fuel and C-store traffic from people who live and work in Westchase. We’ll do this by keeping fuel prices slightly below the area average, keeping the site clean and well-lit, and maintaining fast checkout so customers always know what to expect.
To bring in new customers, we’ll add 2 programs while keeping the station convenient for daily users:
Fuel + Coffee Bundle
A small discount is offered when customers buy fuel and a hot drink together. This encourages morning commuters to stop regularly.
Loyalty Card Program
Customers earn 2% cash-back on C-store items. This helps draw repeat visits from apartment residents and ride-share drivers.
This plan keeps existing customers coming back while attracting new drivers in a steady, low-risk way.
Launch Promotions (Grand Opening Period)
To celebrate the opening of GulfPoint Fuel & Market, we’re planning several special promotions. During Grand Opening Week, customers will get $0.10 off per gallon. For the first 30 days, anyone who purchases fuel will receive a coupon for a discounted coffee or bakery item.
We’ll also run a Buy 2 energy drinks, get 1 free promotion during the first week, and distribute flyers to nearby apartments, hotels, and offices to spread the word. This helps introduce the station to the community and brings in early customer traffic.
These promotions will help us reach commuters, residents, ride-share drivers, and hotel guests while supporting steady sales as we start operations.
Sales Mix Targets
Most of our revenue will follow the usual pattern for fuel stations, with fuel making up the largest share of total sales. At the same time, we expect higher-margin items like store goods, energy drinks, tobacco products, and vacuum services to grow steadily over time. By balancing daily fuel sales with higher-margin store items, we can keep regular customers satisfied and grow profit in a steady, predictable way.
Operations & Staffing
Daily Tasks and Workflow
Our station will follow a simple daily routine that keeps fuel and C-store work steady. Each day, the team will open the pumps and check fuel levels. They will restock coolers, set up the hot-food warmers, and prepare the front counter for the morning rush. Cashiers will handle fuel sales and inside-store purchases. They will also do quick cleanups and help customers during each shift.
The back area is used for support tasks such as inventory counts and refrigeration checks. Staff will also handle cash work and receive vendor deliveries.
Operation Hours and Shift Structure
GulfPoint Fuel & Market will operate 24 hours a day to support commuters, night-shift workers, hotel guests, and ride-share drivers.
Shifts
- Morning Shift: 6:00 AM – 2:00 PM (opens the store, handles early commuters, restocks drinks and bakery items)
- Evening Shift: 2:00 PM – 10:00 PM (handles steady traffic from offices and residents, restocks, and closes C-store tasks)
- Overnight Shift: 10:00 PM – 6:00 AM (manages late-night drivers, cleans, and prepares the store for the morning rush)
This shift structure keeps our gas station fully staffed and ensures smooth operations around the clock.
Staffing Overview
All staff will be hired for the new station, and roles are designed to support a steady daily flow:
| Role | What They Do | Pay |
|---|---|---|
| General Manager | Runs the station, manages staff, handles vendors, and oversees fuel orders | $54,000/year |
| Assistant Manager | Supports daily operations, supervises shifts, and handles customer issues | $42,000/year |
| Cashiers (6 full-time) | Handle customers, stock shelves, and keep the store clean | $14.75/hour |
| Overnight Cashier (1) | Manages nighttime operations and cleaning tasks | $16.25/hour |
| Cleaning/Stocking (PT) | Helps with store upkeep and inventory | $14/hour |
| Bookkeeper | Tracks sales, bills, and reporting | $250/month |
If needed in the future, we can add more staff, but for now, we will keep the team focused and consistent.
Vendors & Equipment
As part of the station setup, we will install all key equipment needed to run the fuel and C-store operations smoothly:
- POS System: Verifone Commander for fast, accurate transactions
- Fuel Dispensers: Gilbarco Encore 700S pumps
- Refrigeration Units: True GDM-49 and Turbo Air M3 for drinks and perishables
- Coffee Station: Bunn commercial brewer for hot drinks
- Security System: Hikvision 16-camera system for full-site coverage
- Food Warmers: Hatco Glo-Ray units for hot snacks
Having this equipment in place ensures we can operate efficiently from day one, serve customers quickly, and maintain a clean, organized store without disruptions.
Compliance and Legal Requirements
GulfPoint Fuel & Market will follow all required state and local rules to operate safely and legally. This includes meeting Texas fuel-storage safety rules set by the Texas Commission on Environmental Quality (TCEQ).
At our gas station, we will complete fire marshal inspections for pumps, tanks, and safety equipment, and maintain food handling and retail permits for C-store operations.
Further, we conduct underground tank leak detection tests and keep an active sales tax license. It will also carry general liability and property insurance to protect the business, staff, and customers.
Quality and Service Standards
As new owners, we want the station to run smoothly and stay clean for customers. Our focus is on fast service, neat displays, and steady upkeep.
Key standards:
- Check pumps and tank levels every day
- Keep store shelves stocked and organized
- Maintain clean restrooms throughout the day
- Keep the site well-lit and free of debris
- Ensure fuel price signage is clear and updated
- Complete cash drops at every shift change
Following these standards keeps the station reliable and makes customers want to return.
Risk Mitigation Plan
Every business faces risks, especially during the early months of operation. The table below shows the key risks for GulfPoint Fuel & Market and the steps we’ll take to handle them.
| Name | Risk | Mitigation Strategy |
|---|---|---|
| Fuel Price Volatility | Fuel costs are rising quickly | Check wholesale prices often and adjust retail pricing quickly |
| Theft & Shrinkage | Loss of inventory or cash | Use a 16-camera system and a strict cash-drop schedule |
| Equipment Issues | Pumps, coolers, or POS breaking | Keep service contracts with pump, POS, and refrigeration vendors |
| Heavy Competition | Customers choosing nearby branded stations | Keep fuel prices slightly lower and maintain a cleaner, faster site |
Financial Plan
Revenue growth will be driven by higher fuel volume, improved morning sales from fresh food items, and steady increases in inside-store transactions. The gasoline has a strong location, controlled operating costs, and steady demand from commuters and residents in the Westchase District.
As a new build, there are no historical numbers, but the startup budget gives a clear picture of total investment and expected early performance.
Core Assumptions
Fuel
- Year 1: 82,500 gallons/month → 990,000/year
- Year 2: 88,000 gallons/month → 1,056,000/year
- Year 3: 94,000 gallons/month → 1,128,000/year
- Average retail price: $3.40/gallon
- Fuel margin: $0.12/gallon
- Fuel COGS: implied by margin, not modeled as a % of revenue
Inside Store
- Year 1: $55,000/month → $660,000/year
- Growth: +15% annually
- Store COGS: 65%
Operating
- Payroll: $330,000/year
- Marketing: $26,400/year
- Utilities: $108,000 → $112,000 → $116,000
- Supplies, fees, misc: scaled modestly
- SBA 7(a) loan: $760,000, 10 years, ~9.75%
- Annual loan payment (P+I): ~$118,000
- Depreciation: straight-line, $45,500/year
Revenue Forecast
Annual Revenue
| Category | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Fuel revenue (retail) | $3,366,000 | $3,590,400 | $3,835,200 |
| Inside-store sales | $660,000 | $759,000 | $872,850 |
| Total Revenue | $4,026,000 | $4,349,400 | $4,708,050 |
Gross Profit
Fuel Gross Profit
(calculated from margin, not % COGS)
- Year 1: 990,000 × $0.12 = $118,800
- Year 2: 1,056,000 × $0.12 = $126,720
- Year 3: 1,128,000 × $0.12 = $135,360
Store Gross Profit
(35% margin)
- Year 1: $231,000
- Year 2: $265,650
- Year 3: $305,498
Total Gross Profit
| Year 1 | Year 2 | Year 3 | |
|---|---|---|---|
| Fuel GP | 118,800 | 126,720 | 135,360 |
| Store GP | 231,000 | 265,650 | 305,498 |
| Total GP | 349,800 | 392,370 | 440,858 |
Operating Expenses
| Expense | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Payroll | 330,000 | 330,000 | 330,000 |
| Marketing | 26,400 | 26,400 | 26,400 |
| Utilities | 108,000 | 112,000 | 116,000 |
| Supplies & merchant fees | 55,000 | 59,000 | 63,000 |
| Other overhead | 38,000 | 40,000 | 42,000 |
| Total Opex | 557,400 | 567,400 | 577,400 |
Profit & Loss Statement (3 Years)
| Item | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Total Revenue | 4,026,000 | 4,349,400 | 4,708,050 |
| Total COGS | 3,676,200 | 3,957,030 | 4,267,192 |
| Gross Profit | 349,800 | 392,370 | 440,858 |
| Operating Expenses | 557,400 | 567,400 | 577,400 |
| EBITDA | -207,600 | -175,030 | -136,542 |
| Depreciation | 45,500 | 45,500 | 45,500 |
| Interest (approx.) | 70,000 | 63,000 | 55,000 |
| Net Income (Pre-Tax) | -323,100 | -283,530 | -237,042 |
Interpretation
- Losses are expected and realistic in Years 1–2 for a new independent fuel station.
- EBITDA improves every year.
- Cash flow improves faster than net income due to depreciation.
Cash Flow Statement
| Item | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Beginning Cash | 132,500 | 85,000 | 120,000 |
| EBITDA | -207,600 | -175,030 | -136,542 |
| + Depreciation | 45,500 | 45,500 | 45,500 |
| – Loan payments (P+I) | -118,000 | -118,000 | -118,000 |
| Net Cash Change | -280,100 | -247,530 | -209,042 |
| Owner capital support | 232,600 | 282,530 | 329,042 |
| Ending Cash | 85,000 | 120,000 | 240,000 |
Balance Sheet (Year-End)
| Item | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Cash | 85,000 | 120,000 | 240,000 |
| Inventory | 40,000 | 40,000 | 40,000 |
| Net fixed assets | 847,000 | 801,500 | 756,000 |
| Total Assets | 972,000 | 961,500 | 1,036,000 |
| SBA Loan | 665,000 | 560,000 | 445,000 |
| Equity + retained losses | 307,000 | 401,500 | 591,000 |
| Liabilities + Equity | 972,000 | 961,500 | 1,036,000 |
Break-Even Analysis
- Fixed monthly costs: ≈ $46,000
- Blended gross margin: ~8.5% (fuel-heavy business)
Break-Even Revenue
≈ $540,000 per month
Break-Even Fuel Volume
≈ 120,000–130,000 gallons/month
(typical for profitability in independent stations)
Break-even is not reached in Years 1–3. It is most likely reached in Year 4, assuming continued volume and store growth.
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