Fix Auto vs Pennzoil 10-Minute Oil Change
Fix Auto vs Pennzoil 10-Minute Oil Change: Fix Auto costs $55K to $3.1M to open; Pennzoil 10-Minute Oil Change costs $71K to $375K. Fix Auto has 212 units, Pennzoil 10-Minute Oil Change has 15. SBA loan history: Fix Auto = 35 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.
Fix Auto 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
Fix Auto requires the lower minimum capital commitment ($55K vs $71K for Pennzoil 10-Minute Oil Change), a 22% spread.
System Scale & Tenure
On scale, Fix Auto operates 212 units to Pennzoil 10-Minute Oil Change's 15, roughly 14× the system size.
SBA Lending Profile
Fix Auto has the deeper SBA lending track record, with 35 7(a) approvals compared with 13 for Pennzoil 10-Minute Oil Change. Fix Auto's peak SBA year was 2020 (6 loans); Pennzoil 10-Minute Oil Change's peak was 2016 (3 loans). Fix Auto's more recent peak generally indicates fresher lender appetite. Fix Auto has the most SBA funded units in CA, with 28. Pennzoil 10-Minute Oil Change leads in MI, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Fix Auto deals is $1.3M 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 Fix Auto and 0.0% for Pennzoil 10-Minute Oil Change. PeerSense FPI scores come in at 75 (Strong) for Fix Auto and 59 (Moderate) for Pennzoil 10-Minute Oil Change, giving Fix Auto the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 75/100 | 59/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | Growing | N/A |
SBA Lending
SBA Loans | 35 | 13 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $55K to $3.1M | $71K to $375K |
Franchise Fee | $10K | N/A |
Royalty Rate | 3% | N/A |
Ad Fund | 0.75% | 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 | 212 | 15 |
Franchised Units | 212 | 15 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | 2010 | N/A |
Years Franchising | 16 yrs | N/A |
Headquarters | Escondido, CA | OXFORD, MI |
Category | Automotive Body, Paint, | Automotive Body, Paint, |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Fix Auto or Pennzoil 10-Minute Oil Change?
Lower upfront capital required
Tie
Fix Auto: $55K starting · Pennzoil 10-Minute Oil Change: $71K starting
More SBA lender confidence
Fix Auto
Fix Auto: 35 SBA loans · Pennzoil 10-Minute Oil Change: 13 SBA loans
Lower SBA default rate
Tie
Fix Auto: 0.0% · Pennzoil 10-Minute Oil Change: 0.0%
Larger system & brand presence
Tie
Fix Auto: 212 units · Pennzoil 10-Minute Oil Change: 15 units
More lender financing options
Fix Auto
Fix Auto: 15 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
Fix Auto vs Pennzoil 10-Minute Oil Change: Franchise Funding Comparison
Comparing Fix Auto 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 $55K to $3.1M.
Fix Auto has 35 SBA loans on record and Pennzoil 10-Minute Oil Change has 13. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Fix Auto vs Pennzoil 10-Minute Oil Change, Frequently Asked Questions
Which is a better franchise investment, Fix Auto or Pennzoil 10-Minute Oil Change?
How much does a Fix Auto franchise cost compared to Pennzoil 10-Minute Oil Change?
Can I finance Fix Auto or Pennzoil 10-Minute Oil Change with an SBA loan?
Which has a lower SBA default rate, Fix Auto or Pennzoil 10-Minute Oil Change?
Talk to PeerSense
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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