Econo Lub N Tune
The total investment to open a Econo Lub N Tune franchise ranges from $26,000 to $370,640. The initial franchise fee is $30,000. Ongoing royalties are 5%.
What is the Econo Lub N Tune franchise?
Econo Lub N Tune is an automotive shop that changes oil and provides lubrication services, with an estimated total initial investment of $26,000 to $370,640. The initial franchise fee is $30,000.
The royalty is 5 percent of sales. The brand was founded in 1973 and is headquartered in Antioch, California.
Loan Activity Score
21/100
SBA Default Rate
31.3%
Active Lenders
38
According to its Franchise Disclosure Document or public business records, Econo Lub N Tune has 58 locations, all owned by franchisees. Public SBA loan records show 38 lenders made 80 loans to franchisees of Econo Lub N Tune. PeerSense calculates Econo Lub N Tune's score as 21 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1973 · 58 locations
$26,000 to $370,640
$30,000
58
58 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Econo Lub N Tune
80
Total SBA loans
$168K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Econo Lub N Tune
Loan Activity Score Breakdown
Established (25 to 99 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
31.3%
vs 10.8% peer avg
SBA Loans
80
Total Volume
$13.4M
Active Lenders
38
6 selective
States
12
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 Econo Lub N Tune based on SBA lending data
SBA Default Rate
31.3%
20.5% above peer avg
SBA Loan Volume
80 loans
Across 38 lenders
Lender Diversity
38 lenders
Avg 2.1 loans per lender
Investment Tier
Mid range investment
$26,000 to $370,640 total
Econo Lub N Tune: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1996
9 approvals. The best year on record for Econo Lub N Tune.
Top SBA State
California
40 SBA financed Econo Lub N Tune locations, the densest operator footprint.
Average Loan Size
$168K
Median $124K. Use as a sizing anchor when modeling your own Econo Lub N Tune unit.
Lender Concentration
27.5%
Moderately Spread
Share of Econo Lub N Tune approvals captured by the top 3 SBA lenders.
Econo Lub N Tune's SBA lending pipeline peaked in 1996 (9 approvals). Operator density is highest in California with 40 SBA financed locations. Average funded ticket sits at $168K, with the median at $124K. Lender mix is moderately spread: the top three SBA lenders account for 27.5% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$269
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
Econo Lub N Tune, 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