Creative Colors vs Pennzoil 10-Minute Oil Change
Creative Colors vs Pennzoil 10-Minute Oil Change: Creative Colors costs $101K to $123K to open; Pennzoil 10-Minute Oil Change costs $71K to $375K. Creative Colors has 73 units, Pennzoil 10-Minute Oil Change has 15. SBA loan history: Creative Colors = 12 loans (0.0% default); Pennzoil 10-Minute Oil Change = 13 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Creative Colors vs Pennzoil 10-Minute Oil Change: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Pennzoil 10-Minute Oil Change requires the lower minimum capital commitment ($71K vs $101K for Creative Colors), a 44% spread.
System Scale & Tenure
On scale, Creative Colors operates 73 units to Pennzoil 10-Minute Oil Change's 15, roughly 5× the system size.
SBA Lending Profile
Pennzoil 10-Minute Oil Change has the deeper SBA lending track record, with 13 7(a) approvals compared with 12 for Creative Colors. Creative Colors's peak SBA year was 2025 (2 loans); Pennzoil 10-Minute Oil Change's peak was 2016 (3 loans). Creative Colors's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in MI. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Creative Colors deals is $238K vs $206K for Pennzoil 10-Minute Oil Change, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Creative Colors and 0.0% for Pennzoil 10-Minute Oil Change. PeerSense FPI scores come in at 42 (Fair) for Creative Colors and 59 (Moderate) for Pennzoil 10-Minute Oil Change, giving Pennzoil 10-Minute Oil Change the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 42/100 | 59/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 12 | 13 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $101K to $123K | $71K to $375K |
Franchise Fee | $60K | N/A |
Royalty Rate | 7.5% | N/A |
Ad Fund | 1% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 73 | 15 |
Franchised Units | 70 | 15 |
Company Owned | 3 | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | 1991 | N/A |
Years Franchising | 35 yrs | N/A |
Headquarters | MI | OXFORD, MI |
Category | Automotive Body, Paint, | Automotive Body, Paint, |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Creative Colors or Pennzoil 10-Minute Oil Change?
Lower upfront capital required
Tie
Creative Colors: $101K starting · Pennzoil 10-Minute Oil Change: $71K starting
More SBA lender confidence
Pennzoil 10-Minute Oil Change
Creative Colors: 12 SBA loans · Pennzoil 10-Minute Oil Change: 13 SBA loans
Lower SBA default rate
Tie
Creative Colors: 0.0% · Pennzoil 10-Minute Oil Change: 0.0%
Larger system & brand presence
Tie
Creative Colors: 73 units · Pennzoil 10-Minute Oil Change: 15 units
More lender financing options
Pennzoil 10-Minute Oil Change
Creative Colors: 6 unique lenders · Pennzoil 10-Minute Oil Change: 10 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Creative Colors vs Pennzoil 10-Minute Oil Change: Franchise Funding Comparison
Comparing Creative Colors and Pennzoil 10-Minute Oil Change is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $71K to $375K.
Creative Colors has 12 SBA loans on record and Pennzoil 10-Minute Oil Change has 13. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Creative Colors vs Pennzoil 10-Minute Oil Change, Frequently Asked Questions
Which is a better franchise investment, Creative Colors or Pennzoil 10-Minute Oil Change?
How much does a Creative Colors franchise cost compared to Pennzoil 10-Minute Oil Change?
Can I finance Creative Colors or Pennzoil 10-Minute Oil Change with an SBA loan?
Which has a lower SBA default rate, Creative Colors or Pennzoil 10-Minute Oil Change?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman