Valvoline Instant Oil Change Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Valvoline Instant Oil Change franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 19 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Automotive Oil Change and Lubrication Shops industry average of 6.0%.
- 0.0%SBA default rate, small sample0 of 19 loans
- 19loans resolvedapproved FY2010–FY2019
- 6.0%Automotive Oil Change and Lubrication Shops averageall SBA loans in the industry
- 1st lowestindustry rankof 4 Automotive Oil Change and Lubrication Shops brands
| SBA default rate | 0.0% (small sample) |
|---|---|
| Loans approved | 19 |
| Loans charged off | 0 |
| Date range | FY2010–FY2019 |
| Industry | Automotive Oil Change and Lubrication Shops |
| Industry average | 6.0% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 19 Valvoline Instant Oil Change SBA borrowers in the sample failed to repay — but 19 loans is too few to call a rate.
What is the Valvoline Instant Oil Change franchise failure rate on SBA loans?
Valvoline Instant Oil Change is a Automotive Oil Change and Lubrication Shops franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Valvoline Instant Oil Change franchisees: 19 loans approved between fiscal 2010 and 2019, of which 0 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201919
- Charged off0
- Charge-off rate (small sample)0.0%
- Automotive Oil Change and Lubrication Shops franchise benchmark6.0%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$1,014,074
How does Valvoline Instant Oil Change compare with other Automotive Oil Change and Lubrication Shops franchises?
The table sets Valvoline Instant Oil Change's charge-off rate beside its Automotive Oil Change and Lubrication Shops peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Valvoline Instant Oil Change | Automotive Oil Change and Lubrication Shops | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% (small sample) | 6.0% | 10.2% | 8.0% |
| Loans in sample | 19 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $1,014,074 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2011 | 5 | 0 | 0.0% |
| FY2012 | 3 | 0 | 0.0% |
| FY2013 | 1 | 0 | 0.0% |
| FY2014 | 1 | 0 | 0.0% |
| FY2015 | 4 | 0 | 0.0% |
| FY2016 | 1 | 0 | 0.0% |
| FY2017 | 3 | 0 | 0.0% |
| FY2018 | 1 | 0 | 0.0% |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Valvoline Instant Oil Change's figure rests on 19 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the count is a settled outcome, not a projection. With 19 resolved loans, one default moves the rate by about 5.3 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Valvoline Instant Oil Change figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (19 loans). A single default moves this figure substantially.
Is Valvoline Instant Oil Change in financial trouble? What the SBA data shows
Valvoline Instant Oil Change's SBA 7(a) default rate was 0.0% for loans approved FY2010–FY2019 (0 of 19 loans charged off) — the lowest of 4 Automotive Oil Change and Lubrication Shops brands tracked here. A default rate this far below the Automotive Oil Change and Lubrication Shops average of 6.0% is not, on its own, a sign of distress. With only 19 loans in the sample, one default moves the rate by about 5.3 percentage points, so read it as a flag rather than a verdict.
Frequently asked
- What is Valvoline Instant Oil Change's franchise failure rate?
- Valvoline Instant Oil Change franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 19 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Automotive Oil Change and Lubrication Shops industry average of 6.0%.
- How does Valvoline Instant Oil Change compare to other Automotive Oil Change and Lubrication Shops franchises?
- Valvoline Instant Oil Change's 0.0% SBA default rate is lower than the Automotive Oil Change and Lubrication Shops industry average of 6.0%. See every Automotive Oil Change and Lubrication Shops franchise ranked on the Automotive Oil Change and Lubrication Shops industry page. Automotive Oil Change and Lubrication Shops franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Valvoline Instant Oil Change franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 19 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/valvoline-instant-oil-change/ · Data & methodology · Download the dataset (CSV)