Jiffy Lube, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0904)
25 deals since 2020 · typical deal $1.4M · 0% failure rate
25
Deals since 2020
$1.4M
Typical deal
3
Deals since FY2025
0%
Failure rate (FY20–23)
What buyers pay for Jiffy Lube
Most Jiffy Lube deals financed between $802K and $2.27M. Above $2.27M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $18,767
- Down payment (10%)
- $159K
- Cash to close (all-in)
- $219K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$219K)
Experience
Recent financings
- ODM AUTO CENTERS, INC. in Gardena, CA — $1.5M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 13 days
- Approved
- 12/4/2025
- First disbursed
- 12/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
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- Wolflin Oil, LLC in Amarillo, TX — $450K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 124 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 11 days
- Approved
- 12/11/2025
- First disbursed
- 12/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 66
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
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- Auto Center Enterprises, LLC in North Little Rock, AR — $2.3M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 17 days
- Approved
- 9/29/2025
- First disbursed
- 10/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 48
- Business age
- Change of Ownership
- Industry
- Automotive Oil Change and Lubrication Shops
If you were the buyer here
- Est. deal size
- $2.6M
- Est. down payment (10%)
- $260K
- Est. cash at closing
- $358K
- Monthly payment
- $29,326
- Annual debt service
- $352K
- Cash flow needed (1.25×)
- $440K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- KATRIB AUTOMOTIVE SERVICE CENTERS INC in Colton, CA — $802K (2024) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $602K (75%)
- Approval → funding
- 25 days
- Approved
- 10/7/2023
- First disbursed
- 11/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Automotive Oil Change and Lubrication Shops
If you were the buyer here
- Est. deal size
- $891K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $122K
- Monthly payment
- $10,488
- Annual debt service
- $126K
- Cash flow needed (1.25×)
- $157K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bancorp Bank National Association · Lender record →
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- Cirque Lube Corp in Blackfoot, ID — $2.0M (2022) · Idaho Central CU
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 0 days
- Approved
- 8/22/2022
- First disbursed
- 8/22/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Idaho Central CU · Lender record →
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- South Bay Lube, Inc in Orlando, FL — $794K (2022) · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $596K (75%)
- Approval → funding
- 6 days
- Approved
- 9/20/2022
- First disbursed
- 9/26/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 200
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
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- Cirque Lube Corp in Pocatello, ID — $50K (2022) · Idaho Central CU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 0 days
- Approved
- 8/22/2022
- First disbursed
- 8/22/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Idaho Central CU · Lender record →
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- Mom N Pop Properties LLC in Covina, CA — $3.3M (2021) · Banc of California
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.7M (80%)
- Approval → funding
- 58 days
- Approved
- 8/2/2021
- First disbursed
- 9/29/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Banc of California · Lender record →
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- JLW Services, Inc. in Hanover Park, IL — $3.3M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 168 mo (14 yrs)
- SBA guaranteed
- $3.0M (90%)
- Approval → funding
- 7 days
- Approved
- 9/23/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
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- Jiffy Lube #3253 in Aurora, IL — $3.2M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 34 days
- Approved
- 10/27/2020
- First disbursed
- 11/30/2020
- Loan status
- Paid in full (10/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Automotive Oil Change and Lubrication Shops
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $357K
- Est. cash at closing
- $493K
- Monthly payment
- $18,329
- Annual debt service
- $220K
- Cash flow needed (1.25×)
- $275K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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Who funds Jiffy Lube — and where
Every dot is a financed Jiffy Lube — 25 mapped.
Financed Jiffy Lube locations — list all 25 as text
- South Bay Lube, Inc — Sarasota · $403K · FY2021 · Automotive Oil Change and Lubrication Shops
- BMS Investments, LLC — Perris · $670K · FY2021 · Automotive Oil Change and Lubrication Shops
- PJR Enterprises, Inc. — Lincolnwood · $1.0M · FY2021 · Automotive Oil Change and Lubrication Shops
- Jiffy Lube 2655 — Mundelein · $2.3M · FY2021 · Automotive Oil Change and Lubrication Shops
- Alamitos Enterprises, LLC — Los Alamitos · $1.9M · FY2021 · General Automotive Repair
- Alamitos Arkansas Group, LLC — Little Rock · $1.4M · FY2021 · General Automotive Repair
- Auto Center Enterprises, LLC — North Little Rock · $2.3M · FY2025 · Automotive Oil Change and Lubrication Shops
- ODM AUTO CENTERS, INC. — Gardena · $1.5M · FY2026 · Automotive Oil Change and Lubrication Shops
- Wolflin Oil, LLC — Amarillo · $450K · FY2026 · Automotive Oil Change and Lubrication Shops
- S.B.M. Corporation — Draper · $3.6M · FY2020 · Automotive Oil Change and Lubrication Shops
- JLNE ENTERPRISES, INC. — Wheeling · $1.1M · FY2020 · Automotive Oil Change and Lubrication Shops
- The Foster Group, Inc — Missoula · $5.0M · FY2020 · Automotive Oil Change and Lubrication Shops
- Mom N Pop Lube Shop Inc. — Victorville · $50K · FY2020 · Automotive Oil Change and Lubrication Shops
- Mom N Pop Lube Shop Inc. — Victorville · $1.4M · FY2020 · Automotive Oil Change and Lubrication Shops
- Jiffy Lube #3253 — Aurora · $3.2M · FY2021 · Automotive Oil Change and Lubrication Shops
- Cirque Lube Corp — Blackfoot · $2.0M · FY2022 · Automotive Oil Change and Lubrication Shops
- Cirque Lube Corp — Pocatello · $50K · FY2022 · Automotive Oil Change and Lubrication Shops
- South Bay Lube, Inc — Orlando · $794K · FY2022 · Automotive Oil Change and Lubrication Shops
- KATRIB AUTOMOTIVE SERVICE CENTERS INC — Colton · $802K · FY2024 · Automotive Oil Change and Lubrication Shops
- E J I Shahine Properties LLC — Corona · $1.3M · FY2020 · Automotive Oil Change and Lubrication Shops
- Mom N Pop Properties LLC — Covina · $3.3M · FY2021 · Automotive Oil Change and Lubrication Shops
- Najjar Lube Centers, Inc — San Dimas · $1.5M · FY2021 · Automotive Oil Change and Lubrication Shops
- SRTMT Auto Centers, Inc — San Dimas · $2.1M · FY2021 · Automotive Oil Change and Lubrication Shops
- Rize Auto Group, Inc. — Schaumburg · $1.3M · FY2021 · Automotive Oil Change and Lubrication Shops
- JLW Services, Inc. — Hanover Park · $3.3M · FY2021 · Automotive Oil Change and Lubrication Shops
Top lenders for this brand
Most active states
- 1.California (10 loans)
- 2.Illinois (6 loans)
- 3.Florida (2 loans)
- 4.Arkansas (2 loans)
- 5.Idaho (2 loans)
- 6.Texas (1 loans)
- 7.Utah (1 loans)
- 8.Montana (1 loans)
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Common questions
How much does a Jiffy Lube cost to buy or open?
The typical deal for Jiffy Lube is $1.4M across 25 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $158K of buyer cash on a typical deal.
How risky is Jiffy Lube?
0% of Jiffy Lube's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.
Can I finance a Jiffy Lube with an SBA loan?
Yes — Jiffy Lube has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Jiffy Lube franchise
Most Jiffy Lube buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Jiffy Lube deal financed for $1.4M, which points to about $158K of buyer cash on a typical purchase. Jiffy Lube is listed in the SBA Franchise Directory (identifier S0904), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Jiffy Lube — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Jiffy Lube — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Jiffy Lube — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Jiffy Lube is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 25 SBA 7(a) deals since 2020
- $1.4M typical deal
- 3 deals since FY2025
- 0% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S0904)
- Top lenders: Live Oak Banking Company, 22nd State Bank, A Division of 22nd State Banking Company, TowneBank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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Represent Jiffy Lube?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Jiffy Lube.