How to Finance a Juiced Fuel Franchise: Fuel Delivery Trucks
By Chris Cornella
A Juiced Fuel franchise loan pays for a mobile fuel delivery business: a custom fuel truck, the insurance and compliance work that comes with hauling fuel, the technology customers use to book deliveries and the working capital to buy fuel before customers pay for it. Juiced Fuel is listed on the SBA Franchise Directory, so buyers can consider SBA 7(a) financing alongside equipment and conventional loans.
This article explains how the Juiced Fuel model works, which costs to pull from the Franchise Disclosure Document (FDD), how lenders look at a truck-based fuel business and how to prepare a loan request for a young, fast-growing franchise system.
US Professional Funding is not affiliated with, sponsored by or endorsed by Juiced Fuel; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax or investment advice; review the current FDD and franchise agreement with a franchise attorney and an accountant.
Juiced Fuel Franchise Loan at a Glance
- Concept: fuel delivered to where a vehicle, boat or piece of equipment is parked: a driveway, dock, fleet yard or job site.
- Background: a veteran-founded company that started in Charleston, South Carolina, led by founder and CEO Korey McDavid.
- Customers: households, commuters, boat owners, contractors, equipment operators, commercial fleets, apartment communities, campuses and events.
- Core asset: a custom fuel delivery truck, supported by a booking app and plan-based pricing.
- Fees, investment and owner requirements: not verified for this article; confirm them in Items 5, 6 and 7 of the current FDD and with the franchisor.
- SBA Franchise Directory: listed under code S8509 with no additional directory note.
What Is Juiced Fuel?
Juiced Fuel is a mobile fueling franchise founded in Charleston, South Carolina. The company describes itself as veteran-founded and as the first franchise in the U.S. to bring fuel delivery directly to the consumer, rather than serving only construction sites and industrial yards. Its franchise network is made up of locally owned territories, and the company continues to add new markets.
How the service works. Customers book through the website or a mobile app, either on demand or on a recurring schedule. A Juiced Fuel truck fills vehicles, boats and equipment on site. Beyond households, the company markets fleet fueling, commercial fuel delivery and marine fuel delivery, and serves apartment complexes, college campuses, car shows and events.
What the franchisor provides. The company says it has already tested customer management software, worked through federal transportation requirements and addressed insurance for the model, and that franchisees get its systems, vendor relationships, brand voice, training and ongoing support. The company also runs a veteran opportunities program.
Why lenders view the model the way they do. A Juiced Fuel location is not a storefront. It is a truck-based service business with real collateral in the truck, recurring revenue from fleet and subscription customers and a significant compliance and insurance load. It is also a young franchise system, so lenders weigh the owner’s background and the local customer plan heavily. Our article on financing an emerging franchise explains that perspective.
Juiced Fuel Franchise Costs
We could not verify the brand’s current fee and investment figures in the FDD or on the franchisor’s own pages, so this section explains each cost category and where to find the number.
Initial franchise fee. Item 5 states the fee for a territory, when it is due, whether any part is refundable and whether additional territories cost less. An SBA 7(a) loan can usually include the fee in the project budget.
The truck. The fuel delivery truck is the largest single asset in most mobile fueling businesses. Item 7 and Item 8 will describe the required truck specification, tank and metering equipment, branding wrap and whether the truck must come from a designated source. Ask whether a new or qualifying used truck is allowed, because that changes the financing.
Compliance, insurance and licensing. Hauling and dispensing fuel requires commercial driver and hazardous materials credentials, permits and fire-code approvals that vary by state and city, and higher insurance limits than a typical service business. These costs show up before the first delivery and recur each year.
Technology and launch marketing. Booking software, routing and payment tools, and an opening campaign aimed at households and local fleets.
Opening costs and working capital. Unlike most service franchises, a fuel business has to buy its product. Fuel purchases, card processing and the gap between fueling a commercial customer and getting paid on invoice all draw on working capital.
When you read the Item 7 table, check each line:
- Initial franchise fee and any additional territory fee
- Fuel delivery truck, tank, pump and metering equipment
- Truck wrap, signage and uniforms
- Insurance deposits, permits, licenses and driver credentials
- Software, app, routing and payment technology
- Training and travel
- Opening fuel inventory and supplies
- Grand opening marketing and additional funds for the initial period
Ongoing Fees and How They Affect Your Juiced Fuel Franchise Loan
Item 6 lists the royalty, any brand fund contribution, technology fees, local marketing requirements and transfer and renewal fees. Check whether the royalty is a percentage of gross sales or a fixed amount, because fuel sales carry a large product cost and a percentage royalty on fuel revenue can weigh heavily on margin.
How lenders treat these fees. A lender models delivery volume, the margin per gallon plus any delivery or subscription fees, then subtracts fuel cost, royalty, marketing, insurance, truck maintenance, driver wages and the loan payment. The question is whether the cushion holds when fuel prices swing. Show the margin and fees separately from the pass-through fuel cost so a lender can see the real earnings of the business.
Franchisor Requirements for New Owners
Ask the franchisor for its current net worth and liquidity minimums and how it evaluates candidates. Mobile fuel franchisors commonly look for:
- Liquid capital to cover the equity injection, insurance deposits and early fuel purchases
- A net worth that supports the total project
- Management, sales or logistics experience, or a partner who brings it
- The ability to obtain or hire drivers with the required commercial and hazmat credentials
- Completion of the franchisor’s training before launch
Veterans should ask about the franchisor’s veteran opportunities program. Our article on veteran franchise financing covers how military experience can support a loan request.
Ways to Own a Juiced Fuel
A new territory. Most owners will open a new territory with one truck and no local history. Our franchise start-up financing page explains how these loans are typically structured.
Buying an existing territory. As the system matures, resales may become available. A lender can then review actual delivery volume, customer contracts and the truck’s condition, subject to the franchisor’s transfer approval.
Multiple territories or a larger fleet. Owners who sign up several territories or add trucks finance each step as volume justifies it.
Financing Options for a Juiced Fuel Franchise
SBA 7(a) loans. An SBA 7(a) loan can combine the franchise fee, truck, technology, launch marketing and working capital in one package.
SBA 504 loans. The 504 program is built for real estate and long-lived fixed assets. Most Juiced Fuel owners will not buy a building, so 504 financing rarely fits a new territory.
Conventional term loans. Owners with strong liquidity or another profitable business may qualify for a conventional business loan.
Equipment and truck financing. The fuel truck, tank and metering equipment can be financed on their own, often with the truck as collateral. See our franchise equipment financing and leasing options.
Working capital and lines of credit. Fuel bought before it is sold, insurance premiums, driver payroll and slower winter months for boat fueling all call for cash. A line of credit can bridge the gap between fueling fleet customers and collecting their invoices. Learn more about franchise working capital.
Seller financing on resales. A selling owner may carry a note for part of the price. Any seller note is typically subordinate to the senior loan, and SBA program rules may limit how it is structured.
SBA Loans for Juiced Fuel Franchisees
SBA lenders check the SBA Franchise Directory before lending to a franchisee. A listing means the brand’s franchise documents have been reviewed for SBA eligibility; it does not approve any borrower.
Juiced Fuel’s listing. The brand appears on the directory under code S8509 with no additional note. In plain English, there is no brand-specific lease or collateral condition flagged on the directory, so the lender follows standard SBA rules.
Loan size. The SBA 7(a) program maximum is currently $5 million, though program rules can change. A one-truck territory will normally sit far below that.
Application tips. Bring the FDD, a truck quote with full specifications, insurance quotes, a list of target fleet and residential customers and month-by-month projections. Our SBA loan calculator can help with early payment estimates; results are for planning only.
How Lenders Evaluate a Juiced Fuel Deal
Personal credit and financial history. Expect a review of credit reports and tax returns, plus personal guarantees from significant owners.
Net worth and liquidity. A lender reviewing a Juiced Fuel franchise loan will want a documented equity injection and reserves that can absorb a spike in fuel prices or a truck repair.
Industry and management experience. Background in logistics, fleet operations, fuel distribution, sales or the military carries weight, as does a plan for hiring and keeping credentialed drivers.
Business plan and projections. Show the local market: residential neighborhoods, marinas, fleet operators and construction activity. Model deliveries per day, gallons per stop, margin per gallon, subscription revenue, seasonality and the ramp-up as customers sign on.
The FDD and franchise agreement. Lenders read Items 5, 6, 7, 17 and 21, Item 10 for any franchisor financing and Item 20 for the number of open territories. Item 19 shows whether the FDD includes financial performance representations. Our article on how lenders read a Franchise Disclosure Document explains each item.
Insurance and compliance. Lenders want proof of adequate liability and environmental coverage, because an uninsured spill could threaten both the business and the collateral.
Trucks, Tanks and Equipment
The truck is both your largest cost and your main piece of collateral. Before you borrow, confirm the franchisor’s required specification, the expected service life and the maintenance plan. Lenders financing a truck look at its value over the loan term, so a loan term that runs past the truck’s useful life is a warning sign. Plan for routine maintenance, meter calibration and inspections, and keep a reserve for downtime, because a one-truck business earns nothing while the truck is in the shop.
Multi-Unit Growth and Development Agreements
Growth in mobile fueling usually means adding trucks within a territory or adding neighboring territories. Lenders will look at the first truck’s delivery volume, utilization and customer contracts before financing the next. Our article on multi-unit franchise financing explains how lenders size each step.
Real-World Scenarios
A veteran launching one truck. A former service member opens a new territory with an SBA 7(a) loan that covers the franchise fee, truck, insurance deposits and working capital.
A fleet manager targeting commercial accounts. A buyer with fleet operations experience signs letters of interest from local contractors before closing, which helps the lender see early demand.
An owner adding a second truck. After a strong first year, an owner finances a second truck with an equipment loan backed by the truck itself and the business’s cash flow.
Common Mistakes to Avoid
- Treating gross fuel revenue as profit instead of modeling margin per gallon
- Underestimating insurance, permits and driver credential costs
- Leaving too little working capital for fuel purchases and slow-paying accounts
- Choosing a loan term longer than the truck’s useful life
- Ignoring seasonality in marine and residential demand
For more pitfalls, read the franchise loan mistakes buyers make most often.
Next Steps to Finance Your Juiced Fuel Franchise
Step 1: Request the current FDD. Focus on Items 5, 6, 7, 8, 10, 17, 19, 20 and 21.
Step 2: Confirm requirements and territory. Ask about net worth, liquidity and the boundaries of your territory.
Step 3: Price the truck and insurance. Get quotes for the required truck, tank equipment and insurance coverage.
Step 4: Check local rules. Confirm permits, fire-code rules and driver credential requirements in your area.
Step 5: Build projections. Model deliveries, margin per gallon, subscriptions, fees, payroll and debt service.
Step 6: Talk with a financing specialist. Compare SBA 7(a), equipment and conventional options before signing.
Step 7: Close and launch. Coordinate closing with franchise approval, truck delivery, training and permits.
Juiced Fuel Franchise Loan FAQs
How much does it cost to open a Juiced Fuel?
The total investment appears in Item 7 of the current FDD and depends heavily on the truck and insurance costs in your market.
What is the Juiced Fuel franchise fee?
The fee appears in Item 5 of the current FDD. We could not verify the current amount for this article.
Can I get an SBA loan for a Juiced Fuel franchise?
Yes, if you qualify. The brand is listed on the SBA Franchise Directory under code S8509, so SBA lenders can consider a Juiced Fuel franchise loan application.
Can I finance the fuel truck separately?
Yes. The truck and its tank and metering equipment can be financed through an equipment loan or lease, often secured by the truck.
Do I need fuel industry experience?
Ask the franchisor about its candidate profile. Lenders give credit for logistics, fleet, sales or military experience and for a plan to hire credentialed drivers.
Is Juiced Fuel a good fit for veterans?
The company is veteran-founded and runs a veteran opportunities program. Ask the franchisor about current terms.
How much working capital do I need?
Enough to buy fuel, carry commercial receivables, pay insurance and cover the ramp-up. Item 7 lists the franchisor’s estimate of additional funds.
Does Juiced Fuel offer financing?
Check Item 10 of the current FDD for any financing the franchisor offers or arranges.
How long is the franchise term?
Item 17 and the franchise agreement state the term, renewal and transfer conditions.
Final Thoughts
Juiced Fuel turns fueling into a delivery service, which makes the truck, the insurance and the cash to buy fuel the heart of the financing. Buyers who read the FDD closely, price compliance honestly, model margin per gallon and keep strong reserves give lenders the clearest path to approval.
US Professional Funding helps franchise buyers and owners finance startups, vehicles, equipment and working capital. Learn more about our franchise financing solutions and fuel business financing.
