Which has more SBA loans, Maaco or Pennzoil 10-Minute Oil Change?

Maaco has 608 SBA 7(a) historical approvals; Pennzoil 10-Minute Oil Change has 13. Maaco has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Maaco vs Pennzoil 10-Minute Oil Change SBA loans?

Maaco's SBA default rate is 12.5%, versus 0.0% for Pennzoil 10-Minute Oil Change. Pennzoil 10-Minute Oil Change has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Maaco and Pennzoil 10-Minute Oil Change peak in SBA lending volume?

Maaco's SBA approval peak was 1997 with 46 loans; Pennzoil 10-Minute Oil Change's peak was 2016 with 3. A more recent peak (currently Pennzoil 10-Minute Oil Change) generally indicates fresher lender appetite and easier financing today.

Which states have the most Maaco and Pennzoil 10-Minute Oil Change SBA loans?

Maaco leads in CA with 69 SBA-funded units; Pennzoil 10-Minute Oil Change leads in MI with 5. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Maaco vs Pennzoil 10-Minute Oil Change

Quick Answer

Maaco vs Pennzoil 10-Minute Oil Change: Maaco costs $100K to $1.4M to open; Pennzoil 10-Minute Oil Change costs $71K to $375K. Maaco has 467 units, Pennzoil 10-Minute Oil Change has 15. SBA loan history: Maaco = 608 loans (12.5% 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.

Maaco 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 $100K for Maaco), a 42% spread.

System Scale & Tenure

On scale, Maaco operates 467 units to Pennzoil 10-Minute Oil Change's 15, roughly 31× the system size.

SBA Lending Profile

Maaco has the deeper SBA lending track record, with 608 7(a) approvals compared with 13 for Pennzoil 10-Minute Oil Change. Maaco's peak SBA year was 1997 (46 loans); Pennzoil 10-Minute Oil Change's peak was 2016 (3 loans). Pennzoil 10-Minute Oil Change's more recent peak generally indicates fresher lender appetite. Maaco has the most SBA funded units in CA, with 69. 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 Maaco deals is $370K vs $206K for Pennzoil 10-Minute Oil Change, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 12.5% for Maaco and 0.0% for Pennzoil 10-Minute Oil Change, Pennzoil 10-Minute Oil Change has the cleaner SBA loss record by 12.5 points. PeerSense FPI scores come in at 52 (Moderate) for Maaco 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.

Maaco

Automotive Body, Paint,

52 7W

Pennzoil 10-Minute Oil Change

Automotive Body, Paint,

Health & Performance

FPI Score	52/100	59/100
Health Tier	Moderate	Moderate
Confidence	N/A	N/A
Lending Trend	Declining	N/A

SBA Lending

SBA Loans	608	13
SBA Volume	–	–
Default Rate	12.5%	0.0%
Peer Tier	major	growing

Investment & Costs

Total Investment	$100K to $1.4M	$71K to $375K
Franchise Fee	$47K	N/A
Royalty Rate	4%	N/A
Ad Fund	N/A	N/A
Liquid Capital	$150K	N/A
Net Worth Required	N/A	N/A

Financial Performance (Item 19)

Item 19 Status

Not Disclosed

System Size & Operations

Total Units	467	15
Franchised Units	467	15
Company Owned	–	–
Term Length	N/A	N/A

Brand Information

Year Founded	1972	N/A
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	LAKEWOOD, NJ	OXFORD, MI
Category	Automotive Body, Paint,	Automotive Body, Paint,
Website	maaco.com	shell.com/business-customers/shell-branded-lubricants-service-centers.html
FDD Year	N/A	N/A

Which Is Better, Maaco or Pennzoil 10-Minute Oil Change?

Lower upfront capital required

Tie

Maaco: $100K starting · Pennzoil 10-Minute Oil Change: $71K starting

More SBA lender confidence

Maaco

Maaco: 608 SBA loans · Pennzoil 10-Minute Oil Change: 13 SBA loans

Lower SBA default rate

Pennzoil 10-Minute Oil Change

Maaco: 12.5% · Pennzoil 10-Minute Oil Change: 0.0%

Larger system & brand presence

Tie

Maaco: 467 units · Pennzoil 10-Minute Oil Change: 15 units

More lender financing options

Maaco

Maaco: 188 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.

Franchise Financing

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Maaco vs Pennzoil 10-Minute Oil Change: Franchise Funding Comparison

Comparing Maaco 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 $1.4M.

Maaco has 608 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Maaco vs Pennzoil 10-Minute Oil Change, Frequently Asked Questions

Which is a better franchise investment, Maaco or Pennzoil 10-Minute Oil Change?

Compare Maaco vs Pennzoil 10-Minute Oil Change franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Maaco franchise cost compared to Pennzoil 10-Minute Oil Change?

Maaco requires $100K to $1.4M in total initial investment with a $47K franchise fee. Pennzoil 10-Minute Oil Change requires $71K to $375K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Maaco or Pennzoil 10-Minute Oil Change with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Maaco has 608 SBA loans on record; Pennzoil 10-Minute Oil Change has 13. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Maaco or Pennzoil 10-Minute Oil Change?

Maaco: 12.5% SBA default rate. Pennzoil 10-Minute Oil Change: 0.0% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Maaco to other franchises Compare Pennzoil 10-Minute Oil Change to other franchises Browse all Automotive Body, Paint, franchises

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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 October 2, 2026LinkedIn profile About Edward Freeman