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BIZBITE

Quick Lube / Oil Change Shop

10 minutes, $80, repeat every 5,000 miles — forever

Bottom line

Worth studying, but do not buy without strong local proof.

Quick lube shops perform rapid oil changes and basic vehicle maintenance (filters, wipers, fluids) without appointments in 10–15 minutes. The model thrives on high volume, predictable recurrence (every 3–6 months per car), and upsells. Independent shops average $400K–$900K in revenue. Franchise options (Jiffy Lube, Valvoline Instant Oil Change, Take 5) provide brand, training, and supply chain in exchange for royalties.

49
Acquisition score
Fair

Avg Revenue

$700K

Profit Margin

22%

Acquisition Multiple

2x - 3.5x

Startup Cost

$200K - $500K

How It Works

Customers drive in without an appointment. Technicians complete the oil change in one pit bay while the customer stays in the car or waits briefly. Average ticket is $70–$110 including oil and filter. Upsells (transmission fluid, air filters, cabin filters, wiper blades) can add $20–$40/visit. High-traffic locations see 50–100 cars/day. Multi-bay locations with strong throughput are the key to profitability.

Revenue Range

Low End
$400K
Typical
$700K
High End
$1.2M

BizBite underwriting snapshot

Pass for now

Quick Lube / Oil Change Shop has enough high-level data for a first look, but BizBite has not assigned a category-specific operating model yet. Treat the score as preliminary.

34
Avoid / 100
Data confidence
medium
52/100
Financing fit
medium

Category-level fit before lender-specific diligence.

Confidence cap
78

Weak source data caps the final score.

Why it may work

  • +SBA dataset shows 13 recent comparable loans

Be careful

  • !Source link status has not been verified yet
  • !No last-checked date yet
  • !No category operating model yet
  • !No category model yet

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 811191 · Automotive Oil Change and Lubrication Shops

Deals tracked
67
13 in last 24 mo
Median loan
$775K
$358K–$1.3M p25/p75
Implied deal size
$912K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal Size Distribution

<$150K
3
$150K–500K
21
$500K–1M
16
$1M–2M
19
>$2M
8

Deal Flow Over Time

12-month momentum
-14.3%
deal volume vs prior 12 mo
Median loan Δ
+21.6%
6 recent · 7 prior

Financing Profile

Median rate
9.00%
0% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
10
supported per deal
Top lenders in this space
Live Oak Banking Company37
The Bancorp Bank National Association2
Centier Bank2
FNB Bank2
Citizens Bank1
Where deals happen
TX11
CA9
NC6
FL5
CO5
KS3
IN3
SC3
NV2
AR2
Franchise vs independent
Franchised acquisitions finance at $900K median vs $582K for independents — a +55% franchise premium. Franchises make up 55% of deals tracked.

Recent Comparable Deals

ClosedStateLoanImplied deal
Dec 2025WA$2.2M$2.6M
Sep 2025AR$2.3M$2.8M
Aug 2025KY$919K$1.1M
Aug 2025CA$1.3M$1.6M
Jul 2025TX$1.4M$1.6M
May 2025CO$137K$161K
Apr 2025CA$1.3M$1.5M
Mar 2025CO$250K$294K
Feb 2025CA$3.6M$4.2M
Jan 2025TX$300K$353K
Volume rank #105/544Deal-size rank #230/544Momentum rank #223p90 loan: $2.2MData as of Mar 2026

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Pros

  • +Extremely predictable demand — cars always need oil changes
  • +No appointment model maximizes daily throughput
  • +Strong upsell opportunities at each service visit
  • +Franchise options de-risk operations and marketing

Cons

  • -Labor-intensive — staffing quality drives everything
  • -Real estate and visibility are critical (high-traffic corner locations)
  • -Competition from dealerships and franchise chains

Best For

Owner-operators who want a physical business with reliable recurring demand and manageable operations

Operating Costs

Main costs: oil and parts COGS (35–40% of revenue), labor (25–30%), rent ($5K–$20K/month depending on market), and equipment maintenance. Franchise royalties add 5–8% if applicable.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

+$2K/mo
after debt service
Deal price — $1.1M
Range: $1.1M (2×) to $3.1M (3.5×+)
Down payment — 15% ($158K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.00%
SBA median for this category: 9.0%
Loan term — 10 years (120 mo)
SBA median for this category: 120 months
Down payment
$158K
15% equity injection
Loan amount
$893K
85% SBA-financed
Monthly payment
$11K/mo
$464K total interest
Monthly profit
$13K/mo
at 22% margin
Monthly cash flow after debt service
+$2K/mo
Down payment paid back in ~104 months — long horizon

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell

Search oil change and quick lube businesses for sale

Franchise Direct

Browse Jiffy Lube, Valvoline, and Take 5 franchise opportunities

49/100Fair

Acquisition Score

Profit margin
15/30
Entry multiple
23/25
Market depth
2/20
Risk (charge-off)
8/15
Deal momentum
1/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
physical
Difficulty
3/5
Buy price
$1.4M$2.5M

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