How to finance a Valvoline Instant Oil Change in West Virginia

State:

The SBA 7(a) lenders funding the most Valvoline Instant Oil Change deals in West Virginia, from public loan records — typical Valvoline Instant Oil Change loan about $1.0M. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Valvoline Instant Oil Change in West Virginia

$900K

Typical loan

range $900K–$900K

$1.00M

Est. purchase price

≈ loan ÷ 90%

$137,125

Cash to close

$100,000 down + fees

$11,646/mo

Typical payment

~9.5% · 10yr

$160,715/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

42 days

Typical time to fund

Lenders competing

more = leverage

9.25%

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 Valvoline Instant Oil Change in West Virginia

Ranked by funded Valvoline Instant Oil Change loans in West Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →

1+ funded Valvoline Instant Oil Change in West Virginia 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.

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 →
Your business? Claim this record · Request removal

Buying a Valvoline Instant Oil Change in West Virginia? Start with a lender that funds them here

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

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Valvoline Instant Oil Change loans with a West Virginia project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Valvoline Instant Oil Change purchase in West Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded West Virginia deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$1.0M typical Valvoline Instant Oil Change loan
1 lenders active in West Virginia
1+ funded West Virginia deals
42 days typical to fund

Buyers buying a Valvoline Instant Oil Change in West Virginia typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Valvoline Instant Oil Change lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/valvoline-instant-oil-change/west-virginia
API:: https://www.capbench.com/api/public/lenders?franchise=valvoline-instant-oil-change&state=WV
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.