Fuel supply contract review, before you fund.
When the collateral is a gas station or fuel business, the fuel supply agreement is the deal. We read it, flag what changes the value, and give you a plain-English memo you can lend against — usually with a flat quote back within 24 hours.
Private lenders financing fuel retail — gas stations, truck stops, c-stores with branded pumps — are underwriting two things at once: the real estate, and the fuel supply agreement attached to it. The second one is easy to overlook and expensive to get wrong. A supply contract can bind the property for a decade or more, restrict who the borrower can sell to, and hand the fuel supplier remedies that, in practice, sit ahead of your recovery. If you fund against the dirt without reading the fuel paper, you may be lending against collateral worth far less than the appraisal suggests.
What we actually look for
Every fuel supply, jobber, or branding agreement is different, but the terms that move a lender's risk cluster in a few places. Our review is built to surface them fast.
Exclusivity, volume & term
How long is the property locked to this supplier, and on what volume commitments? A fifteen-year exclusive supply covenant that runs with the land follows the property through a sale — and through a foreclosure. We identify the term, the minimum-gallon obligations, and any take-or-pay penalties that a new owner (possibly you) would inherit.
Transfer, assignment & change of control
Can the borrower assign the agreement to a buyer? Does a sale trigger consent rights, fees, or acceleration? Critically for a lender: what happens to the supply agreement at foreclosure — does it survive, terminate, or require the supplier's blessing before you can sell the asset to recover?
Default triggers & supplier remedies
Fuel supply agreements often carry their own default and remedy machinery — image/branding requirements, equipment loans (dispensers, canopies, tanks) with their own liens, and liquidated-damages clauses for early termination. We map these against your loan position so you know where the supplier's rights can outrank or complicate yours.
Equipment, branding & environmental hooks
Branded-supply deals frequently bundle loaned equipment and image-maintenance obligations, and fuel sites carry environmental considerations (USTs, remediation covenants) that can attach to the collateral. We flag the ones that touch value and marketability, and tell you which belong in front of an environmental specialist.
What you get back
Not a 40-page memo you won't read. A lender-focused summary: the term and exclusivity in one line, the transfer-and-foreclosure picture, the default/remedy exposure, and a short list of the provisions that should shape your loan terms — or give you pause. If the deal proceeds, we can draft the loan package to match what the fuel contract requires.
Questions lenders ask
Fuel contract review, answered.
Do you review the whole deal or just the fuel contract?
Either. Many lenders send just the fuel supply agreement for a focused read. Others send the full package — purchase contract, lease, and supply agreement — and we review them together and draft the loan documents. Your quote reflects the scope you send.
Can you turn this around quickly? Deals move fast.
That's the point of a flat-fee, transactional practice. Send the agreement and you'll have a quote and timeline within 24 hours; most single-contract reviews are measured in days, not weeks.
What happens to the supply agreement if we foreclose?
It depends on the specific contract — whether the covenant runs with the land, whether the supplier has consent or termination rights on transfer, and how the remedies are drafted. Identifying exactly that is the core of the review.
Do you handle the environmental side too?
We flag environmental hooks in the contract (UST obligations, remediation covenants) that affect value and marketability, and coordinate with an environmental specialist where a technical assessment is needed. We don't hold ourselves out as environmental engineers.
Have a fuel deal on your desk?
Send the supply agreement. We'll tell you what it's really worth to lend against — and quote a flat fee to do it.