Strickland Brothers vs Texaco Express Lube & Star Lub
Strickland Brothers vs Texaco Express Lube & Star Lub: Strickland Brothers costs $221K to $364K to open; Texaco Express Lube & Star Lub costs $51K to $655K. Strickland Brothers has 35 units, Texaco Express Lube & Star Lub has 30. SBA loan history: Strickland Brothers = 42 loans (0.0% default); Texaco Express Lube & Star Lub = 32 loans (6.3% 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.
Strickland Brothers vs Texaco Express Lube & Star Lub: 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
Texaco Express Lube & Star Lub requires the lower minimum capital commitment ($51K vs $221K for Strickland Brothers), a 331% spread.
System Scale & Tenure
On scale, Strickland Brothers operates 35 units to Texaco Express Lube & Star Lub's 30.
SBA Lending Profile
Strickland Brothers has the deeper SBA lending track record, with 42 7(a) approvals compared with 32 for Texaco Express Lube & Star Lub.
Risk Signal
SBA default rates are 0.0% for Strickland Brothers and 6.3% for Texaco Express Lube & Star Lub, Strickland Brothers has the cleaner SBA loss record by 6.3 points. PeerSense FPI scores come in at 65 (Strong) for Strickland Brothers and 38 (Fair) for Texaco Express Lube & Star Lub, giving Strickland Brothers the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 65/100 | 38/100 |
Health Tier | Strong | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 42 | 32 |
SBA Volume | – | – |
Default Rate | 0.0% | 6.3% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $221K to $364K | $51K to $655K |
Franchise Fee | N/A | $50K |
Royalty Rate | 5% | N/A |
Ad Fund | 5% | 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 | 35 | 30 |
Franchised Units | 35 | 30 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2016 | N/A |
Franchising Since | 2019 | N/A |
Years Franchising | 7 yrs | N/A |
Headquarters | N/A | COBB COUNTY CENTER, GA |
Category | Automotive Oil Change | Automotive Oil Change |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Strickland Brothers or Texaco Express Lube & Star Lub?
Lower upfront capital required
Tie
Strickland Brothers: $221K starting · Texaco Express Lube & Star Lub: $51K starting
More SBA lender confidence
Strickland Brothers
Strickland Brothers: 42 SBA loans · Texaco Express Lube & Star Lub: 32 SBA loans
Lower SBA default rate
Strickland Brothers
Strickland Brothers: 0.0% · Texaco Express Lube & Star Lub: 6.3%
Larger system & brand presence
Tie
Strickland Brothers: 35 units · Texaco Express Lube & Star Lub: 30 units
More lender financing options
Texaco Express Lube & Star Lub
Strickland Brothers: 8 unique lenders · Texaco Express Lube & Star Lub: 25 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
Strickland Brothers vs Texaco Express Lube & Star Lub: Franchise Funding Comparison
Comparing Strickland Brothers and Texaco Express Lube & Star Lub is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $51K to $655K.
Strickland Brothers has 42 SBA loans on record and Texaco Express Lube & Star Lub has 32. 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.
Strickland Brothers vs Texaco Express Lube & Star Lub, Frequently Asked Questions
Which is a better franchise investment, Strickland Brothers or Texaco Express Lube & Star Lub?
How much does a Strickland Brothers franchise cost compared to Texaco Express Lube & Star Lub?
Can I finance Strickland Brothers or Texaco Express Lube & Star Lub with an SBA loan?
Which has a lower SBA default rate, Strickland Brothers or Texaco Express Lube & Star Lub?
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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