Can you get an SBA loan for a VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchise?

Yes, SBA loans are available for VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchises. Historical data shows 32 SBA 7(a) loans have been approved for VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchisees, with an average loan amount of $1,085,963. The historical default rate is 0.0%.

Is VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE a good franchise to buy?

VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE shows several positive indicators: established brand with 1,071+ locations, transparent financial performance data (Item 19), low SBA loan default rate. However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.

VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE

Q: How many VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchise locations are there?

As of the 2026 FDD, VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE has 1,071 franchise locations. The company has been franchising since 1988.

FDD Year:

Valvoline Instant Oil Change franchises operate quick-service centers providing engine oil changes, chassis lubrication, routine maintenance checks, and additional automotive services such as filter replacements, fluid flushes, battery checks, and tire services. Franchisees use Valvoline's proprietary marks, systems, standards, and procedures to establish centers in approved locations like suburban pads or strip centers, paying initial fees and ongoing royalties under license or development agreements. The target market includes individuals and businesses owning or leasing vehicles who prefer convenient professional maintenance over DIY, competing with quick-lubes, service stations, repair shops, and dealerships in a well-developed market.

1,071

Locations

Since 1988

Franchising

AutomotiveLexington, KYValvoline Inc.www.viocfranchise.comDisclaimer

Franchise Costs

Franchise Fee

$30,000

Item 5 of FDD

Initial Investment Range

N/A

Item 7 of FDD

Royalty Rate

6.00%

of gross sales

Brand Fund

2.00%

Item 6 of FDD

Fixed Monthly Fees

$375 – $650

Item 6 of FDD

Graduated royalty (2% yr1, 3% yr2, 6% thereafter) + up to 2% General System Fund (capped at $7,344-$7,500/yr) + $375-$650/mo signage lease

Financial Performance

Item 19 Financial Performance

Average Gross Revenue

Median Gross Revenue

Data Based On: 891 franchised centers in FY 2025, as per 'Total # of Centers' in the 'FY 2025 - VIOCF Comparable Franchisee-Operated Centers' table.

* Data extracted directly from the 'FY 2025 - VIOCF Comparable Franchisee-Operated Centers' table on page 7. 'Average Net Sales' is used for average_gross_revenue, as 'Gross Sales' is not explicitly provided for franchisee units in this table. 'Median Net Sales' is used for median_gross_revenue. No specific top/bottom quartile averages (only highest/lowest individual sales), or explicit profit metrics (gross profit, net income, net profit, EBITDA) were provided for franchisee data, nor were sufficient expense details to estimate profit ranges.

Extracted Item 19 Section

How VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE Compares

Franchise	Investment	Fee	Royalty	Locations
VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE Current	N/A	$30K	6.0%	1,071
Tire Pros	$12K – $137K	$7K	N/A	644
MICHELIN RETREAD TECHNOLOGIES (MICHELIN COMMERCIAL SERVICE NETWORK)	$189K – $4.3M	$3K	N/A	340
CHRISTIAN BROTHERS AUTOMOTIVE	$550K – $680K	$135K	50.0%	302
CHRISTIAN BROTHERS AUTOMOTIVE	$530K – $645K	$135K	50.0%	265
TOMMY'S EXPRESS	$5.0M – $8.5M	$50K	4.0%	206
Automotive Services Average 24 franchises	$442K – $985K	$47K	12.8%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 24 Automotive Services franchises by location count.

SBA Loan History

Historical SBA 7(a) loan data for VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchisees (2011 – 2023)

Total Loans

Average Loan

$1,085,963

Total Volume

$34.8M

Default Rate

0.0%

Loans by Year

SBA 7(a) loan activity over time

* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.

Franchisee Contacts

1,098 franchisee contacts on file from official FDD filings.

Name	Address	Phone	Email	SBA Loan
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active

1,098 Contacts Available

Unlock all VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchisee contacts with verified contact information

Due Diligence

Litigation (Item 3)

Franchisee Cases0

No litigation involving franchisees reported

Bankruptcy (Item 4)

Bankruptcy HistoryNo

No bankruptcy history reported

System Health (Item 20)

Franchise system changes reported in the most recent fiscal year

Terminations

Non-Renewals

Reacquired

Ceased Ops

Transfers

Sold to Franchisees

Projected New

Frequently Asked Questions

According to the 2026 FDD, the average gross revenue for a VALVOLINE INSTANT OIL CHANGE OR INSTANT OIL CHANGE franchise is $1,844,172. The median revenue is $1,704,870.