SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Automotive Oil Change and Lubrication Shops Franchise Failure Rates: SBA Loan Defaults for 4 Brands
Automotive Oil Change and Lubrication Shops franchises charged off 6.0% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 4 brands: default rates ranged from Jiffy Lube (0.0%) to Jiffy Lube (0.0%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
How do Automotive Oil Change and Lubrication Shops franchises perform on SBA loans?
Across the 4 Automotive Oil Change and Lubrication Shops brands tracked here, 94 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 3 were charged off — a pooled rate of 3.2% for these brands against a 6.0% benchmark for all Automotive Oil Change and Lubrication Shops franchise loans. 0 brands with 20+ loans ran at more than twice the industry benchmark; 0 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.
- Brands tracked4
- SBA 7(a) loans, FY2010–201994
- Charged off3
- Pooled rate, these brands3.2%
- Automotive Oil Change and Lubrication Shops benchmark (all franchise loans)6.0%
- All-franchise benchmark10.2%
- All SBA borrowers8.0%
- Lowest rateJiffy Lube · 0.0%
- Highest rateJiffy Lube · 0.0%
Which Automotive Oil Change and Lubrication Shops franchise brands have the highest and lowest SBA default rates?
Every Automotive Oil Change and Lubrication Shops brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.
| Brand | Loans | Defaults | Rate | vs industry avg | Loans since 2020 | Early charge-offs |
|---|---|---|---|---|---|---|
| Victory Lane Quick Oil Change | 18 | 3 | 16.7%* | 2.8x | 8 | 0 |
| Grease Monkey | 26 | 0 | 0.0% | — | 58 | 0 |
| Jiffy Lube | 31 | 0 | 0.0% | — | 25 | 0 |
| Valvoline Instant Oil Change | 19 | 0 | 0.0%* | — | 0 | 0 |
* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.
Frequently asked
- Which Automotive Oil Change and Lubrication Shops franchises have the highest SBA default rates?
- Among Automotive Oil Change and Lubrication Shops brands with 20 or more SBA 7(a) loans approved FY2010–FY2019, the highest charge-off rates were Grease Monkey (0.0%), Jiffy Lube (0.0%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
- What is the Automotive Oil Change and Lubrication Shops franchise SBA default rate benchmark?
- Automotive Oil Change and Lubrication Shops franchise borrowers charged off 6.0% of SBA 7(a) loans approved FY2010–FY2019, compared with 10.2% for all franchises and 8.0% for all SBA borrowers.
Cite this page
Franchise Default Rates (2026). Automotive Oil Change and Lubrication Shops franchise SBA 7(a) default rates, FY2010–FY2019 cohort: 4 brands, pooled 3.2%. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/industry/automotive-oil-change-and-lubrication-shops/ · Data & methodology · Download the dataset (CSV)