Pennzoil 10-Minute Oil Change vs Ubreakifix
Pennzoil 10-Minute Oil Change vs Ubreakifix: Pennzoil 10-Minute Oil Change costs $71K to $375K to open; Ubreakifix costs $50K to $255K. Pennzoil 10-Minute Oil Change has 15 units, Ubreakifix has 53. SBA loan history: Pennzoil 10-Minute Oil Change = 13 loans (0.0% default); Ubreakifix = 62 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.
Pennzoil 10-Minute Oil Change vs Ubreakifix: 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
Ubreakifix requires the lower minimum capital commitment ($50K vs $71K for Pennzoil 10-Minute Oil Change), a 41% spread.
System Scale & Tenure
On scale, Ubreakifix operates 53 units to Pennzoil 10-Minute Oil Change's 15, roughly 4× the system size.
SBA Lending Profile
Ubreakifix has the deeper SBA lending track record, with 62 7(a) approvals compared with 13 for Pennzoil 10-Minute Oil Change. Pennzoil 10-Minute Oil Change's peak SBA year was 2016 (3 loans); Ubreakifix's peak was 2018 (13 loans). Ubreakifix's more recent peak generally indicates fresher lender appetite. Pennzoil 10-Minute Oil Change has the most SBA funded units in MI, with 5. Ubreakifix leads in FL, with 9. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Pennzoil 10-Minute Oil Change deals is $206K vs $154K for Ubreakifix, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Pennzoil 10-Minute Oil Change and 0.0% for Ubreakifix. PeerSense FPI scores come in at 59 (Moderate) for Pennzoil 10-Minute Oil Change and 56 (Moderate) for Ubreakifix, giving Pennzoil 10-Minute Oil Change the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 56/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 13 | 62 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $71K to $375K | $50K to $255K |
Franchise Fee | N/A | $51K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 15 | 53 |
Franchised Units | 15 | 53 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 2009 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | OXFORD, MI | ALTAMONTE SPRINGS, FL |
Category | Automotive Body, Paint, | Automotive Body, Paint, |
Website | ||
FDD Year | N/A | 2021 |
Which Is Better, Pennzoil 10-Minute Oil Change or Ubreakifix?
Lower upfront capital required
Tie
Pennzoil 10-Minute Oil Change: $71K starting · Ubreakifix: $50K starting
More SBA lender confidence
Ubreakifix
Pennzoil 10-Minute Oil Change: 13 SBA loans · Ubreakifix: 62 SBA loans
Lower SBA default rate
Tie
Pennzoil 10-Minute Oil Change: 0.0% · Ubreakifix: 0.0%
Larger system & brand presence
Tie
Pennzoil 10-Minute Oil Change: 15 units · Ubreakifix: 53 units
More lender financing options
Ubreakifix
Pennzoil 10-Minute Oil Change: 10 unique lenders · Ubreakifix: 31 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.
Need Funding for Pennzoil 10-Minute Oil Change or Ubreakifix?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Pennzoil 10-Minute Oil Change vs Ubreakifix: Franchise Funding Comparison
Comparing Pennzoil 10-Minute Oil Change and Ubreakifix is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $50K to $375K.
Pennzoil 10-Minute Oil Change has 13 SBA loans on record and Ubreakifix has 62. 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.
Pennzoil 10-Minute Oil Change vs Ubreakifix, Frequently Asked Questions
Which is a better franchise investment, Pennzoil 10-Minute Oil Change or Ubreakifix?
How much does a Pennzoil 10-Minute Oil Change franchise cost compared to Ubreakifix?
Can I finance Pennzoil 10-Minute Oil Change or Ubreakifix with an SBA loan?
Which has a lower SBA default rate, Pennzoil 10-Minute Oil Change or Ubreakifix?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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