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Executive Summary

The Business We Are Building

Ndlovu Fuel & Convenience (Pty) Ltd is a modern, full-service fuel station on a busy commuter route in the East Rand area of Gauteng. We sell petrol, diesel, lubricants, everyday groceries, coffee, snacks, and basic vehicle support services, with a forecourt experience built for speed, safety, and repeat trade.

Our customer base is made up of daily commuters, taxi operators, local residents, and small businesses that need reliable refuelling and convenience retail in one stop. We are positioned to solve the practical problems many motorists face in the area: long queues, inconsistent service, limited parking, and the lack of a clean, well-managed station that is open early and closes late.

Why This Location Will Work

The East Rand corridor gives us access to a dense flow of vehicle traffic, nearby residential demand, and regular taxi movement. Our site sits just off a main arterial road, close to a taxi route and suburban catchments, which makes it a natural stop for high-frequency customers rather than a once-off destination.

We are targeting a serviceable monthly market of 25,000 to 30,000 regular refuelling customers passing the site, supported by a wider local population that needs fuel, coffee, snacks, and vehicle care items close to home or work. That gives Ndlovu Fuel & Convenience a strong base for recurring sales and stable cash generation.

:::reassure Investor case in one line
We are building a commuter-led forecourt business with recurring fuel demand, higher-margin convenience sales, and a location that matches daily travel behaviour in Gauteng.
:::

The Commercial Model

Our revenue comes from three aligned streams. Fuel sales drive traffic and turnover, while the convenience store, coffee kiosk, lubricants, and car care products improve margin and increase basket size.

Year 1 revenue is projected at ZAR 60,000,000, with revenue rising to ZAR 66,508,281 in Year 3 and ZAR 75,159,382 in Year 5. The business carries a 19.3% gross margin, a Year 1 EBITDA of ZAR 5,115,000, and a Year 1 net profit of ZAR 3,109,800.

The model is designed to remain resilient even when fuel margins are tight. Fuel delivers volume, but the shop and kiosk are the profitability engine that lifts the economics of every stop.

At a glance

• Business name: Ndlovu Fuel & Convenience (Pty) Ltd
• Location: East Rand, Gauteng, just off a main arterial road
• Legal structure: South African private company, Pty Ltd
• Year 1 revenue: ZAR 60,000,000
• Break-even: Month 1
• Year 5 revenue: ZAR 75,159,382
• Year 1 DSCR: 5.25

Funding Requirement

We are raising ZAR 7,000,000 to complete the site, install the fuel infrastructure, stock the business, and provide working capital through the launch phase. The capital structure consists of ZAR 4,000,000 in equity capital and ZAR 3,000,000 in debt principal.

The funding is tied directly to the operating model. We need the physical infrastructure, compliance readiness, opening stock, and early marketing support in place before the site can operate at full capacity. Without that funding, the station cannot deliver the traffic, service quality, and stock depth that the market already demands.

What the Funding Delivers

The planned capital deployment gives us a fully functional forecourt and enough liquidity to operate confidently through the first trading cycle. It also protects us against the early working-capital pressure that comes with fuel inventory, convenience stock, staff costs, and customer acquisition.

:::tip Why funders can underwrite this business

• The site is backed by a long-term lease.
• The station has multiple revenue streams, not fuel alone.
• The financial model shows positive net profit from Year 1.
• Debt coverage is strong, with a Year 1 DSCR of 5.25.
  :::

Operating Strengths That Matter to Investors

Ndlovu Fuel & Convenience is led by a management team with direct operating experience. I lead the business as founder and majority owner, with responsibility for strategy, supplier relationships, and financial oversight.

I am supported by Sipho Dlamini, Operations Manager, with more than 8 years’ experience in fuel station forecourt management; Nomsa Mbeki, Finance and Administration Manager, a qualified accountant with 10 years in SME bookkeeping and cash management; Mandla Nkosi, Store Manager, with 7 years in supermarket and forecourt retail; and Lerato Ndlovu, Marketing and Customer Relations Lead, with a background in digital marketing for local businesses.

That team gives us operational control across the forecourt, finance, store, and customer acquisition functions. It also reduces execution risk because every core activity has a named owner and a clear accountability line.

Market Position and Customer Capture

We are not trying to compete as a low-cost fuel-only stop. We are building a high-convenience forecourt that wins on speed, cleanliness, visibility, and customer trust. Our differentiators are simple but commercially powerful: extended trading hours from 05:00 to 23:00, faster queue movement, cleaner facilities, secure parking, and a broader in-store offer.

Our target customers are motorists aged 25–60, taxi operators, small fleet owners, ride-hailing drivers, nearby residents, and local businesses that need regular fuel access and practical convenience retail. These customers value time, reliability, and safety, and our model is designed around those needs.

What the Forecast Says

The financial model shows a strong and financeable path from launch to scale. Revenue grows from ZAR 60,000,000 in Year 1 to ZAR 63,000,000 in Year 2, ZAR 66,508,281 in Year 3, ZAR 70,498,778 in Year 4, and ZAR 75,159,382 in Year 5.

Profitability remains consistent across the forecast period, with Year 1 EBITDA of ZAR 5,115,000 and Year 1 net profit of ZAR 3,109,800. Break-even revenue is ZAR 37,956,016, and the business reaches break-even within Month 1 of Year 1 on the forecast model.

Financial headline metrics

Metric	Value
Year 1 Revenue	ZAR 60,000,000
Year 3 Revenue	ZAR 66,508,281
Year 5 Revenue	ZAR 75,159,382
Year 1 EBITDA	ZAR 5,115,000
Year 1 Net Profit	ZAR 3,109,800
Break-Even Revenue	ZAR 37,956,016
Break-Even Timing	Month 1

Our Growth Intent

This first site is designed to become the operating template for a broader Gauteng forecourt platform. By Year 5, we intend to have a proven model for a second location in another high-traffic area, built from the same discipline in service, cash control, supplier management, and customer retention.

Ndlovu Fuel & Convenience is a practical, asset-backed, cash-generating business with strong local demand and clear upside. We are raising capital to turn an already well-matched site into a profitable long-term forecourt asset for South African motorists and for our finance partners.

Company Description

Our Legal Identity and Ownership Structure

Ndlovu Fuel & Convenience (Pty) Ltd is a South African private company formed to operate a modern fuel station with a convenience retail offer, a coffee kiosk, and basic vehicle support services. We are established to serve high-volume commuter traffic in the East Rand area of Gauteng, where motorists need fast fuel access, reliable trading hours, secure stopping space, and a cleaner, more efficient alternative to older forecourts.

The business is registered as a Pty Ltd in South Africa and all commercial activity is conducted in ZAR. We secured the operating site through a long-term lease with the landowner, giving the company stable access to the location while reducing early-stage property risk.

Ownership is structured to align control, capital discipline, and lender confidence. I hold the majority stake in the company and lead overall strategic direction, supplier relationships, and financial oversight. The equity structure is designed so that operational control remains focused, while outside funding supports the build-out and working capital needed to reach scale.

Ownership and capital structure

Stakeholder	Role in the business	Position
Founder and majority owner	Strategic leadership, supplier management, and financial oversight	Majority equity holder
Equity investor	Growth capital and balance-sheet support	Minority equity holder
Bank lender	Term debt funding for launch and ramp-up	Secured debt provider

The company has been set up with a clear separation between ownership, management, and financing. That structure gives us the flexibility to grow the station as a long-term operating asset rather than a short-term retail outlet.

What We Operate at the Site

Ndlovu Fuel & Convenience is a full-service forecourt business built around fuel throughput and repeat convenience purchases. We sell petrol and diesel, lubricants, car care products, everyday groceries, coffee, snacks, and quick-stop essentials that motorists and nearby residents purchase on a routine basis.

Our service mix includes:

• Fuel dispensing for petrol and diesel customers
• A forecourt convenience store for high-frequency household and travel items
• A coffee and snack kiosk for commuters and early-morning traffic
• Lubricants and car care products for motorists who want a one-stop stop
• Basic vehicle services such as tyre checks and oil top-ups
• Customer amenities including clean toilets, secure parking, and a well-lit forecourt

We are deliberately positioned as a practical stop for customers who need speed without sacrificing safety or service quality. Our operating model is built around extended trading hours from 5am to 11pm daily, which allows us to capture the morning commute, school-run traffic, taxi movement, evening returns, and late convenience purchases.

:::reassure Why our model works in this location
Our location off a main arterial road in the East Rand gives us access to:

• Daily commuter traffic
• Taxi-route traffic
• Residential customers within a 10 km radius
• Local businesses with recurring fuel and convenience needs
• Fleet operators that require diesel and predictable service
  :::

The Customers We Serve

Our core customer base is broad, but every segment shares the same need: speed, convenience, and reliability at a clean and secure forecourt. We are not trying to be a destination retailer. We are building a high-frequency stop for customers who already travel past the site and need a dependable place to refuel and buy essentials.

Our primary customer groups are:

• Daily commuters aged 25–60 who refuel at least twice per month
• Taxi operators who need fast turnaround and efficient lane access
• Small fleet owners and logistics operators who rely on diesel supply
• Local residents looking for a nearby convenience store and coffee stop
• Small businesses that purchase fuel, lubricants, and vehicle consumables regularly

The East Rand corridor supports this model because it combines dense residential catchments, busy road traffic, and strong daily mobility. We are targeting regular customers who value time savings, consistent pricing, and service they can trust.

Our Mission and Operating Promise

Our mission is to become the preferred commuter fuel and convenience stop in our area by delivering fast service, dependable supply, and a clean environment that motorists are comfortable using every day. We want customers to choose us because the station is easier, safer, and more efficient than the alternatives nearby.

We operate on four non-negotiable service standards:

• Fast refuelling and low-friction queue movement
• Clean customer facilities and a tidy forecourt
• Strong visibility, security, and safe access
• Friendly, consistent service from trained staff

These standards matter because our business depends on repeat visits. A fuel station earns loyalty through consistency, and we are building Ndlovu Fuel & Convenience around that principle from day one.

Founding Position and Launch Readiness

The company is already structured for launch, with the business name, site access, legal registration, and operating concept aligned around one location in Gauteng. The station has been designed to serve a high-volume commuter route and to trade as a modern mixed-use forecourt from the outset.

Our launch strategy is anchored by the required infrastructure and working capital, supported by a five-year operating forecast. The financial model shows Year 1 revenue of ZAR 60,000,000, gross profit of ZAR 11,595,000, and net profit of ZAR 3,109,800, which confirms that the business has room to absorb start-up ramp-up while moving into steady profitability.

Those projections are supported by a clear cost base and a realistic customer mix. Fuel drives traffic, the convenience store lifts margin, and the coffee kiosk and lubricant sales improve basket value across repeat transactions.

Leadership and Management Capability

I lead the business as founder and majority owner, with direct responsibility for strategy, supplier relationships, and financial oversight. Supporting me is a management team built to handle the station’s operational intensity and compliance requirements.

Core management team

• Sipho Dlamini, Operations Manager, brings more than 8 years of experience in fuel station forecourt management, including staff scheduling, stock control, and health and safety compliance.
• Nomsa Mbeki, Finance and Administration Manager, is a qualified accountant with 10 years in SME bookkeeping and cash management, and she oversees daily reconciliations, payroll, and reporting.
• Mandla Nkosi, Store Manager, brings 7 years in supermarket and forecourt retail, with responsibility for merchandising, stock rotation, and shrinkage control.
• Lerato Ndlovu, Marketing and Customer Relations Lead, has a background in digital marketing for local businesses and manages social media, loyalty activity, and community outreach.

This team gives Ndlovu Fuel & Convenience the operational depth required for a high-volume site. Each function has a clear owner, and each role is tied to the customer experience and financial discipline the business needs.

Our Long-Term Position in Gauteng

Ndlovu Fuel & Convenience is being built as a repeatable forecourt brand, not a single-transaction launch. In Year 1, our focus is stabilising the station, building customer loyalty, and proving reliable execution. By Year 3, we expect to expand basket size and strengthen margin mix, and by Year 5, we intend to use the operating playbook from this site to evaluate a second forecourt in another high-traffic Gauteng location.

:::tip Investor relevance
The company is attractive because it combines:

• A high-frequency commuter location
• Recurring fuel demand
• Higher-margin retail and kiosk sales
• A focused operating team
• A scalable Gauteng growth platform
  :::

Ndlovu Fuel & Convenience (Pty) Ltd exists to capture everyday forecourt demand with better execution than the current alternatives in the market. We are positioned to serve commuters, taxi operators, residents, and small businesses with a reliable, safe, and profitable service offer.

🔒 Continues in the full version

The remaining 9 sections of this document cover:

• Products and Services
• Market Analysis
• Competitive Analysis
• SWOT Analysis
• Marketing and Sales Strategy
• Management and Organization
• Operating Plan
• Financial Plan and Projections
• Funding Request

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