I suggest that you re-work your formula to use the List function. This will separate non blank fields with a separator string that you specify.
here is the help text on the List Function.
https://login.quickbase.com/db/6ewwzuuj?a=dr&rid=152&rl=fpI think that you want something like this.
List(",\n\n",
List("-", [Grant Acct.], [GL Code], [Function Code], [Department Code], [Future Code]),
List("-",
[Grant Acct. 1], [GL Code 1], [Function Code 1], [Department Code 1], [Future Code 1]),List("-",[Grant Acct. 2], [GL Code 2], [Function Code 2], [Department Code 2], [Future Code 2]),
etc
List("-",[Grant Acct. 5], [GL Code 5], [Function Code 5], [Department Code 5], [Future Code 5])
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