Pennzoil 10-Minute Oil Change vs ZIEBART
Pennzoil 10-Minute Oil Change vs ZIEBART: Pennzoil 10-Minute Oil Change costs $71K to $375K to open; ZIEBART costs $425K to $969K. Pennzoil 10-Minute Oil Change has 15 units, ZIEBART has 17. SBA loan history: Pennzoil 10-Minute Oil Change = 13 loans (0.0% default); ZIEBART = 28 loans (7.1% 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 ZIEBART: 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 $425K for ZIEBART), a 83% spread.
System Scale & Tenure
On scale, ZIEBART operates 17 units to Pennzoil 10-Minute Oil Change's 15.
SBA Lending Profile
ZIEBART has the deeper SBA lending track record, with 28 7(a) approvals compared with 13 for Pennzoil 10-Minute Oil Change.
Risk Signal
SBA default rates are 0.0% for Pennzoil 10-Minute Oil Change and 7.1% for ZIEBART, Pennzoil 10-Minute Oil Change has the cleaner SBA loss record by 7.1 points. PeerSense FPI scores come in at 59 (Moderate) for Pennzoil 10-Minute Oil Change and 48 (Fair) for ZIEBART, giving Pennzoil 10-Minute Oil Change the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 48/100 |
Health Tier | Moderate | Fair |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 13 | 28 |
SBA Volume | – | – |
Default Rate | 0.0% | 7.1% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $71K to $375K | $425K to $969K |
Franchise Fee | N/A | $45K |
Royalty Rate | N/A | 8% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 15 | 17 |
Franchised Units | 15 | 17 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 1971 |
Franchising Since | N/A | 2015 |
Years Franchising | N/A | 11 yrs |
Headquarters | OXFORD, MI | N/A |
Category | Automotive Body, Paint, | Automotive Body, Paint, |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Pennzoil 10-Minute Oil Change or ZIEBART?
Lower upfront capital required
Tie
Pennzoil 10-Minute Oil Change: $71K starting · ZIEBART: $425K starting
More SBA lender confidence
ZIEBART
Pennzoil 10-Minute Oil Change: 13 SBA loans · ZIEBART: 28 SBA loans
Lower SBA default rate
Pennzoil 10-Minute Oil Change
Pennzoil 10-Minute Oil Change: 0.0% · ZIEBART: 7.1%
Larger system & brand presence
Tie
Pennzoil 10-Minute Oil Change: 15 units · ZIEBART: 17 units
More lender financing options
ZIEBART
Pennzoil 10-Minute Oil Change: 10 unique lenders · ZIEBART: 12 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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Pennzoil 10-Minute Oil Change vs ZIEBART: Franchise Funding Comparison
Comparing Pennzoil 10-Minute Oil Change and ZIEBART is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $71K to $969K.
Pennzoil 10-Minute Oil Change has 13 SBA loans on record and ZIEBART has 28. 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 ZIEBART, Frequently Asked Questions
Which is a better franchise investment, Pennzoil 10-Minute Oil Change or ZIEBART?
How much does a Pennzoil 10-Minute Oil Change franchise cost compared to ZIEBART?
Can I finance Pennzoil 10-Minute Oil Change or ZIEBART with an SBA loan?
Which has a lower SBA default rate, Pennzoil 10-Minute Oil Change or ZIEBART?
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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