All Tune and Lube
According to its Franchise Disclosure Document or public business records, All Tune and Lube has 313 locations, all owned by franchisees. Public SBA loan records show 90 lenders made 348 loans to franchisees of All Tune and Lube. PeerSense calculates All Tune and Lube's score as 24 out of 100, using public SBA loan performance and recent lending activity.
What is the All Tune and Lube franchise?
All Tune and Lube is an automotive shop that provides oil changes and lubrication services for vehicle owners. It also offers vehicle maintenance and repair work.
Its customers are motorists looking for routine vehicle care or help with vehicle problems.
Loan Activity Score
24/100
SBA Default Rate
34.2%
Active Lenders
90
313 locations
313
313 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for All Tune and Lube
348
Total SBA loans
$105K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for All Tune and Lube
Loan Activity Score Breakdown
Major Brand (100+ loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
34.2%
vs 10.8% peer avg
SBA Loans
348
Total Volume
$36.5M
Active Lenders
90
12 selective
States
40
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for All Tune and Lube based on SBA lending data
SBA Default Rate
34.2%
23.4% above peer avg
SBA Loan Volume
348 loans
Across 90 lenders
Lender Diversity
90 lenders
Avg 3.9 loans per lender
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
All Tune and Lube, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and 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