Valvoline Instant Oil Change, 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 S1861)

6 deals since 2020 · typical deal $1.0M

Deals since 2020

$1.0M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Valvoline Instant Oil Change has 6 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Valvoline Instant Oil Change

Most Valvoline Instant Oil Change deals financed between $900K and $1.10M. Above $1.10M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.02M

Monthly payment (10-yr): $13,339
Down payment (10%): $113K
Cash to close (all-in): $155K

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 ~$155K)

Experience

Recent financings

Pm Lube II , LLC in Martinsburg, WV — $900K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$549K (61%)
Approval → funding
42 days
Approved
6/29/2023
First disbursed
8/10/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Automotive Oil Change and Lubrication Shops
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$100K
Est. cash at closing
$137K
Monthly payment
$7,707
Annual debt service
$92K
Cash flow needed (1.25×)
$116K
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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PM Lube II, LLC in Lexington, VA — $2.1M (2020) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
13 days
Approved
9/17/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
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
HARTLEY HOLDINGS, LLC in Kingman, AZ — $1.1M (2020) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$825K (75%)
Approval → funding
35 days
Approved
2/25/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
HARTLEY HOLDINGS, LLC in Prescott, AZ — $1.0M (2020) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$765K (75%)
Approval → funding
35 days
Approved
2/25/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
HARTLEY HOLDINGS, LLC in Sierra Vista, AZ — $930K (2020) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$698K (75%)
Approval → funding
35 days
Approved
2/25/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
HARTLEY HOLDINGS, LLC in Cottonwood, AZ — $821K (2020) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$616K (75%)
Approval → funding
35 days
Approved
2/25/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal

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Who funds Valvoline Instant Oil Change — and where

Every dot is a financed Valvoline Instant Oil Change — 6 mapped.

Financed Valvoline Instant Oil Change locations — list all 6 as text

PM Lube II, LLC — Lexington · $2.1M · FY2020 · Automotive Oil Change and Lubrication Shops
Pm Lube II , LLC — Martinsburg · $900K · FY2023 · Automotive Oil Change and Lubrication Shops
HARTLEY HOLDINGS, LLC — Cottonwood · $821K · FY2020 · Automotive Oil Change and Lubrication Shops
HARTLEY HOLDINGS, LLC — Prescott · $1.0M · FY2020 · Automotive Oil Change and Lubrication Shops
HARTLEY HOLDINGS, LLC — Sierra Vista · $930K · FY2020 · Automotive Oil Change and Lubrication Shops
HARTLEY HOLDINGS, LLC — Kingman · $1.1M · FY2020 · Automotive Oil Change and Lubrication Shops

Top lenders for this brand

Most active states

1.Arizona (4 loans)
2.Virginia (1 loans)
3.West Virginia (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Valvoline Instant Oil Change 4 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Valvoline Instant Oil Change lending specialist.

Common questions

How much does a Valvoline Instant Oil Change cost to buy or open?

The typical deal for Valvoline Instant Oil Change is $1.0M across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $112K of buyer cash on a typical deal.

How risky is Valvoline Instant Oil Change?

Valvoline Instant Oil Change has 6 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 Valvoline Instant Oil Change with an SBA loan?

Yes — Valvoline Instant Oil Change has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Valvoline Instant Oil Change franchise

Most Valvoline Instant 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 Valvoline Instant Oil Change deal financed for $1.0M, which points to about $112K of buyer cash on a typical purchase. Valvoline Instant Oil Change is listed in the SBA Franchise Directory (identifier S1861), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Valvoline Instant 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 Valvoline Instant 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 Valvoline Instant Oil Change — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Valvoline Instant Oil Change is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

6 SBA 7(a) deals since 2020
$1.0M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1861)
Top lenders: Zions Bank, A Division of, Live Oak Banking Company

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/valvoline-instant-oil-change
API:: https://www.capbench.com/api/public/franchises/valvoline-instant-oil-change
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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Valvoline Instant Oil Change.