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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.

Acquisition score
Margin · multiple · SBA data
49Fair
Avg revenue
$700K/yr
$400K–$1.2M range
Profit margin
22%
~$154K SDE
Multiple
2–3.5×
of SDE
Est. buy price
$308K–$539K
startup: $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.

BizBite verdict

Watch / verify

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.

49Fair
medium data confidence · 52/100medium financing fit

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

SBA 7(a) data

Real acquisitions in this category

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.

Deal Calculator

Priced off $154K SDE — can this deal service its own debt?

2.65×
DSCR · Lender-comfortable
Purchase multiple — 2.8× SDE ($425K)
Category range: 2×–3.5× SDE
Down payment — 10% ($43K)
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
SBA median for this category: 120 months
Purchase price
$425K
2.8× of $154K SDE
Cash to close
$55K
$43K down + ~3% closing
Debt service
$5K/mo
$58K/yr on $383K loan
Cash-on-cash
173%
cash back in ~7 mo
Debt service coverage · what the lender sees
2.65×+$8K/mo after debt
Most SBA lenders want ≥1.25× coverage; 1.5×+ is a strong file.

SDE = revenue × margin estimate for this niche; it includes owner compensation, so budget your salary out of cash flow. Excludes working-capital injection, capex reserves, and taxes. Actual SBA terms vary by lender and borrower.

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.

Where to Buy

BizBuySell

Search oil change and quick lube businesses for sale

Franchise Direct

Browse Jiffy Lube, Valvoline, and Take 5 franchise opportunities

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