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Executive Summary

Harare Fuel & Express Mart (Private) Limited

Harare Fuel & Express Mart (Private) Limited is our Zimbabwe-registered Private Limited Company (Pvt Ltd) serving motorists and nearby households from a high-traffic corridor in the western suburbs of Harare. We operate a dual petrol station and convenience store model that combines fuel, lubricants, groceries, beverages, airtime, and daily household essentials in one fast, reliable stop.

Our business exists to solve the market’s most visible pain points: inconsistent fuel availability, slow service, weak cleanliness, and limited convenience retail at older stations. We are building a modern forecourt that customers trust for daily refuelling and repeat shopping, with the operating discipline to convert traffic into durable cash flow.

The Opportunity in Western Harare

Our location near residential areas, small industrial workshops, and a taxi rank gives us access to private motorists, kombi operators, commercial drivers, delivery fleets, and nearby households. This catchment supports recurring demand rather than one-off visits, which is exactly what a forecourt-led convenience business needs.

The market opportunity is straightforward. Customers in this corridor already buy fuel and quick essentials every day, but they need a station that is stocked, clean, and efficient enough to keep them returning.

We are not competing as a roadside fuel point. We are building the preferred one-stop station in our corridor for fuel, convenience retail, and fast service.

Funding Requirement and Capital Structure

We are seeking USD 350,000 in total project funding, made up of USD 150,000 in equity and USD 200,000 in debt. This capital structure funds the site build, opening inventory, licensing, launch marketing, and the working capital needed to trade reliably from day one.

The funding package is aligned to a business that carries real inventory, real compliance obligations, and real operating pressure in the first trading year. We are using capital to create a fully functioning retail asset, not a speculative concept.

:::warning Investor-relevant financial reality
Our Year 1 model is intentionally honest about the launch period:

• Year 1 revenue: USD 2,934,000
• Year 1 gross profit: USD 352,080
• Year 1 EBITDA: USD 34,080
• Year 1 net income: USD -10,920
• Break-even revenue: USD 3,025,000
• Break-even timing: approximately Month 36
  :::

Headline Financial Performance

The forecast shows strong top-line scale from the first year, followed by steady profitability improvement as traffic stabilises and operating discipline deepens. Fuel remains the main revenue engine, while the convenience store improves blended margin through higher-value basket sales.

By Year 3, revenue rises to USD 3,534,003, and by Year 5 it reaches USD 4,218,009. That growth path reflects a realistic forecourt model in a dense urban corridor, where repeated visits, not one-time sales, build long-term value.

:::reassure Why the numbers matter
Harare Fuel & Express Mart is built on repeat demand, not hope.

• Gross margin: 12.0% across the forecast
• EBITDA grows from USD 34,080 in Year 1 to USD 73,526 in Year 5
• Net income turns positive in Year 2 at USD 1,587
• DSCR improves from 0.52 in Year 1 to 1.63 in Year 5
  :::

What We Sell and Who Buys It

We sell petrol, diesel, engine oils, car-care products, groceries, snacks, beverages, airtime, and basic household items. Our core customers are motorists aged 25–60, kombi operators, commercial vehicle drivers, taxi and delivery fleets, and households within a 10–15 km radius of the site.

The commercial logic is simple. Fuel brings the traffic, and the convenience store captures the add-on spend that increases total transaction value and margin quality.

Why This Business Is Financeable

Harare Fuel & Express Mart is led by a team with relevant operating and financial capability. Reese Johansson, our operations manager, has over 10 years of experience in fuel station management and holds a diploma in Business Management. Morgan Kim, our finance and admin manager, is a qualified accountant with 8 years in retail and wholesale finance. Avery Singh, who has a background in digital marketing and FMCG promotions, leads customer acquisition and retention.

That structure supports the fundamentals of a regulated, cash-driven retail site: stock control, cash discipline, customer service, and compliance. It also gives lenders and investors a clear operating chain of accountability.

At a Glance

• Business: Harare Fuel & Express Mart (Private) Limited
• Location: Western suburbs of Harare, Zimbabwe
• Model: Petrol station plus convenience store
• Funding ask: USD 350,000
• Year 1 revenue: USD 2,934,000
• Break-even timing: approximately Month 36
• Year 5 revenue target: USD 4,218,009

Our Investment Case

The investment case is built on a simple and defensible proposition. We are entering a high-traffic, repeat-demand corridor with a business model that earns from both fuel turnover and higher-margin convenience sales.

The first year is a build-and-stabilise phase, but the forecast shows a clear path to sustainable profitability as volumes mature, the customer base trusts the site, and operating controls keep leakage low. Harare Fuel & Express Mart is positioned to become a durable cash-generating asset in western Harare, with the scale to support future expansion once the first site is fully established.

Company Description

Harare Fuel & Express Mart (Private) Limited

Harare Fuel & Express Mart (Private) Limited is a Zimbabwe-registered Private Limited Company (Pvt Ltd) built to serve motorists and neighbourhood shoppers from a high-traffic corridor in the western suburbs of Harare. We operate as a dual-format fuel forecourt and convenience retailer, combining fuel sales with essential everyday retail in one efficient customer stop.

Our business is positioned along a busy arterial road near residential areas, small industrial workshops, and a taxi rank. That location gives us direct access to private motorists, kombi operators, commercial drivers, delivery vehicles, and households that need speed, reliability, and consistent service.

The Business We Are Building

We sell petrol, diesel, lubricants, engine oils, car-care products, groceries, snacks, beverages, airtime, and basic household items. Our model is built around repeat demand and daily footfall, not occasional shopping, which makes the station a high-frequency retail asset with multiple revenue streams.

Our forecourt is designed to solve the most common pain points in this market:

• inconsistent fuel availability
• slow pump-side service
• weak retail standards
• poor customer experience at older stations
• limited convenience shopping in a fuel setting

We compete by making the station dependable, clean, and easy to use. Customers refuel, shop, and leave quickly, with minimal queue friction and clear payment options.

We are not building a roadside fuel point alone. We are building a reliable one-stop service destination for Harare’s daily transport and shopping needs.

Legal Structure and Ownership

Harare Fuel & Express Mart (Private) Limited is structured as a Private Limited Company (Pvt Ltd) registered in Zimbabwe. The company trades in USD for planning, pricing discipline, and investor reporting clarity.

Ownership is split as follows:

Shareholder	Equity Stake	Role in the Business
Founder and Managing Director	70%	Strategic leadership, supplier relationships, performance oversight
Silent Partner	30%	Capital contribution and logistics and fuel procurement experience

This ownership structure gives the business strong founder control while also bringing in capital support and commercial expertise from the silent partner. The equity split is designed to align long-term incentives with stable operating discipline and measured growth.

Founding Intent and Mission

Harare Fuel & Express Mart (Private) Limited was established to create a dependable service station in a market where reliability, speed, and cleanliness are often inconsistent. We are building a business that customers can trust for both fuel and daily essentials.

Our mission is to deliver consistent fuel supply, transparent pricing, and fast, clean service while giving nearby residents and road users access to a modern convenience store experience. We want the station to become the preferred stop for daily refuelling, small basket shopping, and routine vehicle support.

What We Stand For

Our operating identity is built on four clear commitments:

• Reliability in fuel availability and trading hours
• Speed at the pump and at checkout
• Cleanliness across the forecourt, shop, and customer facilities
• Value through fair pricing, promotions, and repeat-customer loyalty

These commitments are not branding slogans. They are the service standards that guide staffing, supplier planning, customer handling, and day-to-day execution.

Customer Base and Service Area

Our core customer base includes motorists aged 25–60 who live or work within a 10–15 km radius of the station. That catchment also includes taxi operators, kombi drivers, delivery fleets, small business owners, salaried professionals, and nearby households.

The business serves customers who want more than fuel alone. They need a practical retail stop where they can buy bread, milk, snacks, beverages, airtime, and basic household items while refuelling.

Primary Customer Segments

We focus on four main groups:

• Private motorists who value speed, safety, and clean facilities
• Kombi operators and taxi drivers who need frequent, dependable fuel access
• Commercial vehicle drivers who expect efficient service and consistent stock
• Local households and workers who want a convenient shop for daily essentials

This mix gives us both high-volume forecourt traffic and high-frequency shop purchases. It also reduces dependence on a single customer type, which supports resilience in changing market conditions.

Our Operating Position in the Market

We are located in a corridor with strong daily movement and embedded residential demand. The surrounding area includes commuter traffic, workshop activity, and informal transport flows, all of which support both fuel turnover and convenience retail spend.

Our nearest competitors are older stations with outdated convenience offers and inconsistent fuel availability. One suffers from stock-out risk during peak demand, while another is known for slow service and weak cleanliness standards. Harare Fuel & Express Mart (Private) Limited is designed to outperform those stations through dependable supply management, sharper service discipline, and a more modern retail environment.

:::tip What differentiates us on site

• extended trading hours from 5am to 11pm
• clearly marked queue flow
• trained pump attendants
• card and mobile payment options
• bright signage and strong night visibility
• clean bathrooms and a better shop layout
  :::

Ownership Roles and Management Capability

The founder and managing director brings several years of retail operations and logistics experience in Zimbabwe, including prior management of a smaller forecourt for another operator. That background informs our supplier negotiations, operational controls, and daily trading discipline.

Our operations manager is Reese Johansson, who has over 10 years of experience in fuel station management and holds a diploma in Business Management. Reese Johansson oversees daily operations, staff scheduling, service standards, and compliance with safety and environmental requirements.

Our finance and administration manager is Morgan Kim, a qualified accountant with 8 years in retail and wholesale finance. Morgan Kim is responsible for bookkeeping, cash control, reporting, and compliance with ZIMRA and local authority requirements.

Our marketing and customer experience lead is Avery Singh, who has a background in digital marketing and FMCG promotions. Avery Singh manages social media, in-store promotions, loyalty activity, and partnerships with nearby businesses.

Together, this team gives the business the operational, financial, and customer-facing structure required for a service station and convenience retail model.

Strategic Identity of the Company

Harare Fuel & Express Mart (Private) Limited is built as a daily-need retail business with fuel at its core and convenience shopping as the margin-enhancing layer. We are not relying on one-off sales or speculative traffic. We are building recurring trade from commuters, local residents, and transport operators who pass through the corridor every day.

:::warning Investor-relevant operating reality
Our first-year model carries a negative net income of USD 10,920, which we acknowledge directly. The business reaches stronger operating stability as volumes mature, with EBITDA improving from USD 34,080 in Year 1 to USD 73,526 in Year 5 and break-even projected at approximately Month 36.
:::

That profile is consistent with a forecourt-led retail business that requires disciplined launch execution, customer trust, and sustained trade build-up before stronger profitability emerges.

Why This Company Exists

Harare Fuel & Express Mart (Private) Limited exists because this part of Harare needs a fuel station that customers can count on. We are entering the market with a specific local advantage: a high-traffic location, a mixed-use customer base, a practical convenience store, and a management team prepared to run a clean, efficient, and repeatable trading model.

Our goal is simple. We want to become the station that motorists choose first because it is stocked, orderly, safe, and fast. Over time, that reputation becomes the company’s strongest commercial asset.

🔒 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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