SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Jiffy Lube Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 31 Jiffy Lube SBA borrowers in the sample failed to repay — well below the Automotive Oil Change and Lubrication Shops average of 6.0%.
Between 2010 and 2019, 31 Jiffy Lube franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Automotive Oil Change and Lubrication Shops average of 6.0%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Jiffy Lube franchise failure rate on SBA loans?
Jiffy Lube is a Automotive Oil Change and Lubrication Shops franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Jiffy Lube franchisees: 31 loans approved between fiscal 2010 and 2019, of which 0 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201931
- Charged off0
- Charge-off rate0.0%
- Automotive Oil Change and Lubrication Shops franchise benchmark6.0%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$934,410
- New SBA loans since 202025
- Early charge-offs since 20200
How does Jiffy Lube compare with other Automotive Oil Change and Lubrication Shops franchises?
The table sets Jiffy Lube's charge-off rate beside its Automotive Oil Change and Lubrication Shops peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Jiffy Lube | Automotive Oil Change and Lubrication Shops | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% | 6.0% | 10.2% | 8.0% |
| Loans in sample | 31 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $934,410 | — | — | — |
What has Jiffy Lube SBA lending looked like since 2020?
Since 2020, Jiffy Lube franchisees have taken 25 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 2 | 0 | 0.0% |
| FY2011 | 5 | 0 | 0.0% |
| FY2012 | 4 | 0 | 0.0% |
| FY2013 | 4 | 0 | 0.0% |
| FY2014 | 3 | 0 | 0.0% |
| FY2015 | 5 | 0 | 0.0% |
| FY2016 | 1 | 0 | 0.0% |
| FY2017 | 5 | 0 | 0.0% |
| FY2018 | 2 | 0 | 0.0% |
| FY2020 | 5 | — | outstanding |
| FY2021 | 12 | — | outstanding |
| FY2022 | 3 | — | outstanding |
| FY2024 | 1 | — | outstanding |
| FY2025 | 1 | — | outstanding |
| FY2026 | 3 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Jiffy Lube's figure rests on 31 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 31 resolved loans, one default moves the rate by about 3.2 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Jiffy Lube figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 31 resolved loans — directional, not precise.
Frequently asked
- What is Jiffy Lube's franchise failure rate on SBA loans?
- Between 2010 and 2019, 31 Jiffy Lube franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Automotive Oil Change and Lubrication Shops average of 6.0%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Jiffy Lube a safe franchise investment?
- Between 2010–2019, Jiffy Lube franchisees defaulted on SBA loans at 0.0% versus a 6.0% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Jiffy Lube franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 31 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/jiffy-lube/ · Data & methodology · Download the dataset (CSV)