Take 5 Oil Change, by the numbers
Take 5 Oil Change appears in 18 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3083)
18 deals since 2020 · typical deal $1.1M
18
Deals since 2020
$1.1M
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Take 5 Oil Change
Most Take 5 Oil Change deals financed between $820K and $1.77M. Above $1.77M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $14,411
- Down payment (10%)
- $122K
- Cash to close (all-in)
- $168K
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 ~$168K)
Experience
Recent financings
- BUNNYS OIL MONKEYS LLC in Spokane Valley, WA — $1.8M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.1M (61%)
- Approval → funding
- 45 days
- Approved
- 9/23/2025
- First disbursed
- 11/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- 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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- TAKE 5 NORTHLAKE LLC in Northlake, IL — $966K (2025) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 306 months
- SBA guaranteed
- $725K (75%)
- Approval → funding
- 161 days
- Approved
- 8/15/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- BUNNYS OIL MONKEYS LLC in Spokane, WA — $416K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $312K (75%)
- Approved
- 9/23/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- 4631 Peoria T5 LLC in Denver, CO — $1.9M (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 306 months
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 16 days
- Approved
- 7/30/2024
- First disbursed
- 8/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Take 5 Waukegan, LLC in Waukegan, IL — $1.1M (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 307 months
- SBA guaranteed
- $799K (75%)
- Approval → funding
- 19 days
- Approved
- 3/2/2024
- First disbursed
- 3/21/2024
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Byline Bank · Lender record →
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- Take 5 Waukegan, LLC in Waukegan, IL — $585K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $439K (75%)
- Approval → funding
- 2 days
- Approved
- 1/28/2024
- First disbursed
- 1/30/2024
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Wyoming T5 Mgmt. Operations LLC in Cheyenne, WY — $2.0M (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 15 days
- Approved
- 5/22/2023
- First disbursed
- 6/6/2023
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- BUNNYS OIL MONKEYS LLC in Spokane, WA — $1.4M (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 23 days
- Approved
- 10/24/2022
- First disbursed
- 11/16/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- BUNNYS OIL MONKEYS LLC in Spokane Valley, WA — $1.4M (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 70 days
- Approved
- 7/14/2023
- First disbursed
- 9/22/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- T5 Longmont 1248, LLC in Longmont, CO — $960K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 309 months
- SBA guaranteed
- $720K (75%)
- Approval → funding
- 64 days
- Approved
- 1/10/2023
- First disbursed
- 3/15/2023
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- 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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Who funds Take 5 Oil Change — and where
Every dot is a financed Take 5 Oil Change — 18 mapped.
Financed Take 5 Oil Change locations — list all 18 as text
- Blue Lube, LLC — Ogden · $1.8M · FY2021 · Automotive Oil Change and Lubrication Shops
- BUNNYS OIL MONKEYS LLC — Spokane · $1.4M · FY2023 · Automotive Oil Change and Lubrication Shops
- T5 Longmont 1248, LLC — Longmont · $960K · FY2023 · Automotive Oil Change and Lubrication Shops
- 4631 Peoria T5 LLC — Denver · $1.9M · FY2024 · Automotive Oil Change and Lubrication Shops
- TAKE 5 NORTHLAKE LLC — Northlake · $966K · FY2025 · Automotive Oil Change and Lubrication Shops
- BUNNYS OIL MONKEYS LLC — Spokane · $416K · FY2025 · Automotive Oil Change and Lubrication Shops
- BUNNYS OIL MONKEYS LLC — Spokane Valley · $1.8M · FY2025 · Automotive Oil Change and Lubrication Shops
- Two Creeks Franchising, LLC — Arvada · $1.1M · FY2021 · Automotive Oil Change and Lubrication Shops
- Take 5 Oil Change — Wheat Ridge · $820K · FY2022 · Automotive Oil Change and Lubrication Shops
- Take 5 Schaumburg, LLC — Schaumburg · $1.5M · FY2022 · Automotive Oil Change and Lubrication Shops
- Take 5 Mount Prospect, LLC — Mount Prospect · $950K · FY2022 · Automotive Oil Change and Lubrication Shops
- T5 Ontario Opco LLC — Boise · $234K · FY2022 · Automotive Oil Change and Lubrication Shops
- Take 5 Waukegan, LLC — Waukegan · $585K · FY2024 · Automotive Oil Change and Lubrication Shops
- Take 5 Waukegan, LLC — Waukegan · $1.1M · FY2024 · Automotive Oil Change and Lubrication Shops
- Wyoming T5 Mgmt. Operations LLC — Cheyenne · $2.0M · FY2023 · Automotive Oil Change and Lubrication Shops
- BUNNYS OIL MONKEYS LLC — Spokane Valley · $1.4M · FY2023 · Automotive Oil Change and Lubrication Shops
- Z Corp, LLC — Port Arthur · $270K · FY2021 · Automotive Oil Change and Lubrication Shops
- T5 Loveland 1247, LLC — Loveland · $1.8M · FY2021 · Automotive Oil Change and Lubrication Shops
Top lenders for this brand
Most active states
- 1.Colorado (5 loans)Take 5 Oil Change lenders in Colorado->
- 2.Illinois (5 loans)Take 5 Oil Change lenders in Illinois->
- 3.Washington (4 loans)Take 5 Oil Change lenders in Washington->
- 4.Utah (1 loans)Take 5 Oil Change lenders in Utah->
- 5.Idaho (1 loans)Take 5 Oil Change lenders in Idaho->
- 6.Wyoming (1 loans)Take 5 Oil Change lenders in Wyoming->
- 7.Texas (1 loans)Take 5 Oil Change lenders in Texas->
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Common questions
How much does a Take 5 Oil Change cost to buy or open?
The typical deal for Take 5 Oil Change is $1.1M across 18 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $121K of buyer cash on a typical deal.
How risky is Take 5 Oil Change?
Take 5 Oil Change has 18 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Take 5 Oil Change with an SBA loan?
Yes — Take 5 Oil Change 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 Take 5 Oil Change franchise
Most Take 5 Oil Change 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 Take 5 Oil Change deal financed for $1.1M, which points to about $121K of buyer cash on a typical purchase. Take 5 Oil Change is listed in the SBA Franchise Directory (identifier S3083), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Take 5 Oil Change — 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 Take 5 Oil Change — 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 Take 5 Oil Change — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Take 5 Oil Change is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 18 SBA 7(a) deals since 2020
- $1.1M typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3083)
- Top lenders: Live Oak Banking Company, Byline Bank, First Bank of the Lake
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-27.
- 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 Take 5 Oil Change?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Take 5 Oil Change.