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MJ
MJ Financial B2B Financial Intelligence
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Transparent Monthly Accounting Retainers

Institutional Financial Subscriptions Engineered for Retail Operators.

Select the operational tier designed for your store volume. Submit your details below, and our senior partner will review your business scope and send your official onboarding invoice link directly to your inbox.

INDEPENDENT OPERATOR

Essential Store

For single gas station, standalone c-store, or independent neighborhood diner.

$499 / month
Billed monthly • Cancel anytime
  • check_circle Daily POS & Z-Tape vs. Bank Deposit Reconciliation
  • check_circle Monthly Store Margin & Gross Profit Accounting
  • check_circle CDTFA & Local Sales Tax Defense Preparation
  • check_circle Cashier Void & Shift Variance Alerts (< 48 hrs)
  • check_circle Direct Email & Phone Advisor Access
MOST POPULAR FOR MULTI-UNIT
HIGH-VOLUME OPERATOR

Growth Portfolio

For busy fuel plazas, high-ticket restaurants, or operators scaling 2 to 4 units.

$999 / month
Full forensic audit suite included
  • verified Everything in Essential, PLUS:
  • check_circle Fuel Rack Rate vs Pump Terminal Volume Audit (CPG)
  • check_circle Shift-level Cash, EBT & Merchant Batch Auditing
  • check_circle Wholesale Distributor Invoice Price Creep Defense
  • check_circle Restaurant Recipe COGS & Shift Labor Prime Alignment
  • check_circle Monthly Lender-Ready Financials & Working Capital Advisory
ENTERPRISE & M&A

Enterprise Syndicate

For syndicates, 5+ locations, franchisors, and prospective store buyers.

$1,899 / month
Dedicated Fractional CFO Partner
  • verified Everything in Growth, PLUS:
  • check_circle Consolidated Multi-Entity P&L & Balance Sheets
  • check_circle Pre-Acquisition Forensic Due Diligence & SDE Audits
  • check_circle Underground Storage Tank (UST) Regulatory Defense
  • check_circle Direct Fractional CFO Representation in Lender Negotiations
SEAMLESS ONBOARDING

How Our Subscription Invoicing Works

1

Choose Package & Submit

Select your plan and enter your store email and phone below. Zero credit card or payment required upfront.

2

Admin Sends Secure Invoice

Our senior accounting team reviews your store profile in our inbox and immediately emails your digital invoice link.

3

Live Telemetry Activation

Pay the digital invoice via bank transfer or credit card to connect your POS feeds and begin daily reconciliation.

OFFICIAL ONBOARDING APPLICATION

Start Your Financial Subscription

Enter your contact and store details. Your application will appear directly in our admin inbox, and our partner will issue your digital invoice link.

lock Encrypted Transmission • Zero Initial Obligation • Invoice Delivered in 2-4 Hours
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call +1.5107170646
Operational Command Active
MJ
MJ Financial B2B Financial Intelligence
verified_user Free Financial Review
Specialized Financial Engineering for Retail & Dining

Turn Complex Numbers Into Higher Institutional Profits.

Financial clarity, automated reconciliation, and theft mitigation engineered exclusively for convenience stores, gas stations, and restaurants. We audit live operational data to eliminate margin leakage and scale multi-unit portfolios with mathematical certainty.

Request Free Financial Review arrow_forward query_stats See How We Diagnose & Fix
verified Reconciled to POS & Tapes
lock_shield Zero Estimated Guesswork
speed 48-Hour Variance Turnaround
MJ_OPERATIONAL_ENGINE v4.2
Live Telemetry
Reconciled Net Store Margin +4.2% Boost
$842,950.00
Audit Horizon: 30 Days 100% BALANCED
Active Operational Audits
local_gas_station
Fuel Rack vs Pump Vol.
Rack cost variance matched
+$18,420
storefront
Distributor Price Creep
Invoice rate mismatch caught
-$3,240
restaurant
Restaurant Prime Cost Audit
COGS + Shift Labor aligned
28% TARGET
RECONCILED VOLUME
$2.4B+
Audited through register & POS feeds
AUDIT ACCURACY
99.98%
Zero estimated journal entries
RETAIL ASSETS
340+
Stores, fuel sites & franchises
LEAKAGE RESOLUTION
< 48 Hrs
Shift variance identified and stopped
BUILT SPECIFICALLY FOR OPERATORS

Deep Domain Expertise in Three Core Retail Sectors

We do not work with generic software startups or drop-shippers. We engineer financial operations strictly for operators managing physical inventory, multiple daily shifts, wholesale distributors, and volatile cash flow.

storefront
HIGH VELOCITY SKU CONTROL

Convenience Stores

Auditing thousands of fast-moving SKUs where margins slip silently on supplier wholesale rate creeps, cashier discrepancies, lottery variances, and phantom spoilage.

check_circle POS vs. Inventory Reconciliation: Catching scan discrepancies and register anomalies daily.
check_circle Category Margin Optimization: Uncovering hidden margins across beverage, tobacco, and snacks.
check_circle Lottery & Scratchers Audit: Complete daily reconciliation to prevent internal loss.
AVERAGE STORE SAVINGS: +$3,400/MO
local_gas_station
MULTI-STREAM CASH FLOW

Gas Stations

Separating fuel pool profitability from c-store operations, understanding card interchange fees, and auditing rack distributor pricing against terminal deliveries.

check_circle Fuel Margin Attribution: Tracking cents-per-gallon (CPG) against daily distributor invoices.
check_circle Pump vs C-Store Cash: Separating inside margins from outside high-volume cash velocity.
check_circle Environmental UST & Fee Defense: Strict audit compliance for underground tanks and fees.
FUEL MARGIN PRECISION: EXACT CPG
restaurant
PRIME COST DISCIPLINE

Restaurants

Controlling recipe cost inflation, managing variable kitchen shifts, auditing distributor line items, and maintaining healthy bottom-line plate margins.

check_circle Live Food & Beverage COGS: Pinpointing wholesale cost spikes before menu profitability collapses.
check_circle Prime Cost Stabilization: Balancing labor shifts against hourly guest traffic curves.
check_circle Delivery App Reconciliation: Auditing third-party deductions, fees, and chargebacks.
PRIME COST TARGET: UNDER 60%
FULL OPERATIONAL LIFECYCLE

Specialized Financial Services Built for Store & Restaurant Operators

We handle the tedious, complex financial details so you can focus on running your business and scaling store counts.

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Daily POS & Register Audits

Daily shift-by-shift reconciliation between register z-tapes, credit card merchant batches, and actual bank deposits to eliminate leakage immediately.

local_gas_station

Fuel Rack & CPG Accounting

Tracking fuel freight, rack rates, prepaid taxes, and terminal delivery tickets. We accurately isolate inside sales margins from volatile fuel volume.

policy

Sales Tax & CDTFA Compliance

Navigating multi-tiered tobacco, alcohol, and fuel sales taxes. We prepare defensible filings that protect you from costly audits and penalties.

account_balance_wallet

Cash Flow & Working Capital

Managing supplier payables, inventory turns, and cash reserves so you never get caught short when fuel deliveries or tax payments hit.

security

Internal Theft & Shrink Control

Algorithmic detection of cashier void abuse, sweethearting, return fraud, and unrecorded vendor credits. We spot theft before it drains your business.

analytics

P&L Prep & Bank Financing

Clean, auditable financial statements structured specifically to satisfy commercial lenders, SBA loans, franchisors, and prospective buyers.

THE STRATEGIC DIFFERENCE

Most Accountants Report.
We Diagnose & Fix.

Traditional CPAs look backward once a year for taxes. We operate alongside your daily shift telemetry to protect margins in real time.

Typical Generic Accountant

close Reviews bank feeds weeks after month-end when discrepancies are cold.
close Does not understand register z-tapes, fuel rack pricing, or restaurant prime costs.
close Classifies missing money as "Owner Draws" or unexplained balancing entries.
close Zero operational insight on wholesale vendor overcharges or cashier theft.

MJ Financial Operational Partner

SPECIALIZED STANDARD
check_circle Continuous shift-level reconciliation directly tied to physical POS registers.
check_circle Deep retail knowledge: fuel distributor contracts, tobacco buydowns, and menu engineering.
check_circle Every single penny reconciled to the penny—zero estimated balancing guesswork.
check_circle Proactive margin leakage alerts delivered within 48 hours to preserve store profits.
EXPANSION & M&A STRATEGY

Buying or Selling a Store? We Validate the Real Value.

Before you acquire your next gas station, franchise, or c-store, our team conducts forensic financial due diligence. We verify tax returns against register tapes to uncover true Seller Discretionary Earnings (SDE).

verified Historical fuel volume and fuel supply contract audit
verified True merchandise gross margin validation vs reported P&L
verified Post-acquisition integration & accounting automation roadmap

Acquisition Audit Checklist

Phase 1: Tax Returns vs 3-Year 1099-K [VERIFIED]
Phase 2: Distributor Wholesale Invoice Sampling [VERIFIED]
Phase 3: Environmental UST & Equipment Age [COMPLIANT]
Phase 4: True Adjusted EBITDA Valuation [READY]
COMPLIMENTARY OPERATIONAL AUDIT

Let’s Take a Look at Your Numbers.

Send us your recent operational figures. We will identify margin leakage, supplier billing errors, and cost-saving opportunities at zero charge.

lock 100% Confidential • Zero Sales Pressure • Fast 24hr Response
DIRECT OPERATIONS & SUPPORT

Ready for Real Financial Clarity?

Contact our principal advisors directly to discuss your store operations, accounting reconciliation, or due diligence requirements.

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Direct Phone
+1.5107170646
mail
Confidential Email
Monesh13792@gmail.com
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Headquarters
1020 Alison Circle, Livermore CA 94550

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