If you are a newbie to lotion making -- or if you are using a new recipe from any source, including your own recipe -- make SMALL batches until you know the formulation is stable and you know you actually like the product.
I normally make 200 grams (about 7 ounces) for a trial batch, to give you some idea. A 400 gram batch (about 14 ounces, less than a pint) of lotion will last me for months! A 130 ounce batch is HUGE for a hobbyist -- about 1 gallon! -- and that is especially true for a person new to lotion making.
If you scale up from a small batch to one as large as what you tried to make, you will have issues with getting sufficient mixing. A stick blender is very effective at smaller batches -- maybe up to 30 ounces or so -- but may not provide intense enough mixing for somewhat larger batches unless you adjust your technique. You might have to mix a larger batch for longer with a stick blender, for example. You may also have to use a differently shaped container (relatively tall and narrow) as well.
Heat is another important factor in proper emulsification. While the "heat and hold" method is not strictly needed for all emulsifiers, it's an effective technique to use if you're new to lotion making or if you only make lotion as a hobby. Even if you don't choose to do "heat and hold," you still need to heat the heated-phase ingredients to a sufficiently high temperature to get the most stable emulsification. If you try to make lotion with room temp ingredients, you're asking for trouble, especially with larger batches and formulations that are more at risk for emulsion failure.
Honestly, I don't think you are going to be able to save this batch. If I were in your shoes, I'd study more about lotion making and try again with a much smaller batch, a proven recipe, and better technique.
I see in another thread that you mention selling soap at craft fairs. It's my guess that if you're making a gallon of lotion, you're intending to sell that too. I'll be blunt -- you are not remotely ready for that.
