Automotive · lender intelligence

How to finance a Jiffy Lube

State:

The SBA 7(a) lenders funding the most Jiffy Lube deals, ranked from public loan records — typical Jiffy Lube loan about $1.4M, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Jiffy Lube

$1.44M

Typical loan

range $802K–$2.27M

$1.59M

Est. purchase price

≈ loan ÷ 90%

$218,845

Cash to close

$159,456 down + fees

$18,570/mo

Typical payment

~9.5% · 10yr

$256,266/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

6.05%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Jiffy Lube

Ranked by funded Jiffy Lube loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.12 loans · $14M · Mobile, ALFull record →
3.104 loans · $100M · Portsmouth, VAFull record →
4.54 loans · $22M · Chubbuck, IDFull record →
5.36 loans · $46M · Los Angeles, CAFull record →
6.75 loans · $98M · Sioux Falls, SDFull record →

25+ funded Jiffy Lube deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
Jiffy Lube 2655 in Mundelein, IL — $2.3M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
119 months
SBA guaranteed
$2.0M (90%)
Approval → funding
17 days
Approved
4/20/2021
First disbursed
5/7/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
SRTMT Auto Centers, Inc in San Dimas, CA — $2.1M (2021) · Luminate Bank
Program
7a General
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (90%)
Approval → funding
43 days
Approved
8/18/2021
First disbursed
9/30/2021
Loan status
Paid in full (6/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Automotive Oil Change and Lubrication Shops
Funded by Luminate Bank
Your business? Claim this record · Request removal
Alamitos Enterprises, LLC in Los Alamitos, CA — $1.9M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (90%)
Approval → funding
1 days
Approved
4/29/2021
First disbursed
4/30/2021
Loan status
Paid in full (10/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$216K
Est. cash at closing
$297K
Monthly payment
$20,106
Annual debt service
$241K
Cash flow needed (1.25×)
$302K
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 →
Your business? Claim this record · Request removal
Najjar Lube Centers, Inc in San Dimas, CA — $1.5M (2021) · Luminate Bank
Program
7a General
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (86%)
Approval → funding
43 days
Approved
8/18/2021
First disbursed
9/30/2021
Loan status
Paid in full (6/30/2023)
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 Luminate Bank
Your business? Claim this record · Request removal
Alamitos Arkansas Group, LLC in Little Rock, AR — $1.4M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$531K (37%)
Approval → funding
43 days
Approved
4/29/2021
First disbursed
6/11/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Rize Auto Group, Inc. in Schaumburg, IL — $1.3M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (85%)
Approval → funding
17 days
Approved
9/13/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
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
PJR Enterprises, Inc. in Lincolnwood, IL — $1.0M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
180 mo (15 yrs)
SBA guaranteed
$900K (90%)
Approval → funding
14 days
Approved
3/25/2021
First disbursed
4/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
78
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
BMS Investments, LLC in Perris, CA — $670K (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
122 months
SBA guaranteed
$603K (90%)
Approval → funding
66 days
Approved
3/23/2021
First disbursed
5/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
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
South Bay Lube, Inc in Sarasota, FL — $403K (2021) · 22nd State Bank, A Division of 22nd State Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$363K (90%)
Approval → funding
10 days
Approved
1/12/2021
First disbursed
1/22/2021
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 →
Your business? Claim this record · Request removal
The Foster Group, Inc in Missoula, MT — $5.0M (2020) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
7 days
Approved
9/18/2020
First disbursed
9/25/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
48
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

Buying a Jiffy Lube? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Jiffy Lube businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Jiffy Lube purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$1.4M typical Jiffy Lube loan
0% failure rate (FY20–23)
7 lenders fund the brand
17 days typical to fund

Buyers researching a Jiffy Lube typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Jiffy Lube record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/jiffy-lube
API:: https://www.capbench.com/api/public/lenders?franchise=jiffy-lube
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.