Victory Lane Quick 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 S1866)
7 deals since 2020 · typical deal $1.0M
7
Deals since 2020
$1.0M
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Victory Lane Quick Oil Change
Most Victory Lane Quick Oil Change deals financed between $832K and $1.30M. Above $1.30M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $13,129
- Down payment (10%)
- $112K
- Cash to close (all-in)
- $153K
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 ~$153K)
Experience
Recent financings
- Incognito Family LLC in Delta, CO — $1.9M (2025) · Milestone Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 308 months
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 6 days
- Approved
- 7/8/2025
- First disbursed
- 7/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Milestone Bank · Lender record →
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- Victory Lane Quick Oil Change in Florence, KY — $1.0M (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $753K (75%)
- Approval → funding
- 10 days
- Approved
- 7/21/2025
- First disbursed
- 7/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 120
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by First Bank of the Lake · Lender record →
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- Young Bayou Ventures, Inc. in Canyon Lake, TX — $832K (2025) · Milestone Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $624K (75%)
- Approval → funding
- 22 days
- Approved
- 7/21/2025
- First disbursed
- 8/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Milestone Bank · Lender record →
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- Victory Lane in Leland, NC — $1.3M (2022) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $974K (75%)
- Approval → funding
- 28 days
- Approved
- 1/3/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Celtic Bank Corporation · Lender record →
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- apple of my eye LLC in Rex, GA — $280K (2022) · Grasshopper Bank National Association
- Program
- 7a General
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 18 days
- Approved
- 4/15/2022
- First disbursed
- 5/3/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Grasshopper Bank National Association · Lender record →
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- 419 Enterprises, Inc in North Branch, MN — $1.1M (2021) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 0.4% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (90%)
- Approval → funding
- 8 days
- Approved
- 7/13/2021
- First disbursed
- 7/21/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Wells Fargo Bank National Association · Lender record →
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- T.E. Price & Company, Inc. in Winchester, VA — $943K (2021) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 304 months
- SBA guaranteed
- $849K (90%)
- Approval → funding
- 57 days
- Approved
- 8/18/2021
- First disbursed
- 10/14/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Community Bank & Trust-West Georgia
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Who funds Victory Lane Quick Oil Change — and where
Every dot is a financed Victory Lane Quick Oil Change — 6 mapped.
Financed Victory Lane Quick Oil Change locations — list all 6 as text
- Incognito Family LLC — Delta · $1.9M · FY2025 · Automotive Oil Change and Lubrication Shops
- Victory Lane Quick Oil Change — Florence · $1.0M · FY2025 · Automotive Oil Change and Lubrication Shops
- Young Bayou Ventures, Inc. — Canyon Lake · $832K · FY2025 · Automotive Oil Change and Lubrication Shops
- apple of my eye LLC — Rex · $280K · FY2022 · Automotive Oil Change and Lubrication Shops
- 419 Enterprises, Inc — North Branch · $1.1M · FY2021 · Automotive Oil Change and Lubrication Shops
- T.E. Price & Company, Inc. — Winchester · $943K · FY2021 · Automotive Oil Change and Lubrication Shops
Top lenders for this brand
Most active states
- 1.Colorado (1 loans)
- 2.Kentucky (1 loans)
- 3.Texas (1 loans)
- 4.North Carolina (1 loans)
- 5.Georgia (1 loans)
- 6.Minnesota (1 loans)
- 7.Virginia (1 loans)
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Common questions
How much does a Victory Lane Quick Oil Change cost to buy or open?
The typical deal for Victory Lane Quick Oil Change is $1.0M across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $110K of buyer cash on a typical deal.
How risky is Victory Lane Quick Oil Change?
Victory Lane Quick Oil Change has 7 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 Victory Lane Quick Oil Change with an SBA loan?
Yes — Victory Lane Quick 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 Victory Lane Quick Oil Change franchise
Most Victory Lane Quick 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 Victory Lane Quick Oil Change deal financed for $1.0M, which points to about $110K of buyer cash on a typical purchase. Victory Lane Quick Oil Change is listed in the SBA Franchise Directory (identifier S1866), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Victory Lane Quick 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 Victory Lane Quick 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 Victory Lane Quick Oil Change — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Victory Lane Quick Oil Change is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 7 SBA 7(a) deals since 2020
- $1.0M typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1866)
- Top lenders: Milestone Bank, First Bank of the Lake, Celtic Bank Corporation
- 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Victory Lane Quick Oil Change.