Express Oil Change
The total investment to open a Express Oil Change franchise ranges from $462,020 to $2.3M.
What is the Express Oil Change franchise?
Express Oil Change & Tire Engineers began in 1979, when Jim Lunceford founded the company in Birmingham, Alabama. Its headquarters remain at 1880 Southpark Dr. The brand currently reports 13 total units in its franchise configuration, following Golden Gate Capital’s acquisition in February 2018 and its merger with Mavis Discount Tire to create Mavis Tire Express Services Corp., which also includes Brakes Plus. Ricky Brooks is CEO and Jim Durkin is President. The United States automotive maintenance and quick service repair market exceeds $75 billion annually, while quick lube accounts for more than $7 billion and grows approximately 3 to 4 percent each year. Ownership history and the brand’s position within Mavis Tire Express Services Corp. are important considerations before committing capital. PeerSense is a commercial capital advisory firm that provides independent franchise research and introduces buyers to SBA and conventional lenders. PeerSense is not a lender, and it does not approve or provide loans.
The United States aftermarket automotive services category benefits from an average light vehicle age of 12.5 years and approximately 3.2 trillion miles driven each year. Those conditions support recurring needs such as oil changes, tire rotations, brake inspections, and fluid top offs. Synthetic oil can extend service intervals from 3,000 to as many as 10,000 miles for some vehicles, but synthetic oil changes often cost $70 to $120 compared with $35 to $50 for conventional oil changes. Independent and franchise quick lube operators compete for an estimated 900 million oil changes performed in the United States each year, alongside dealerships and thousands of independent businesses. The sector includes a small number of large franchise systems and many independent operators. Deferred new vehicle purchases, more complex ADAS equipped vehicles, and electric and hybrid vehicles with fluid and tire service needs support demand through 2030 and beyond.
The Express Oil Change investment range is $462,020 to $2,300,000. Costs vary with real estate, construction, equipment, and the selected format. The lower end may reflect conversion of an existing automotive facility, while the upper end may involve new construction with service bays, alignment equipment, tire mounting and balancing machinery, and branded interior and exterior improvements. Across the broader quick lube and general automotive repair franchise category, investments commonly start around $250,000 for converted single bay operations and reach $3 million or more for multi bay construction. Express Oil Change operates within Mavis Tire Express Services Corp. after Golden Gate Capital’s February 2018 acquisition and merger with Mavis Discount Tire, alongside Brakes Plus. That structure may provide access to broader supply relationships, operating resources, vendor programs, marketing assets, and automotive service experience. SBA 7(a) and 504 loans are commonly used for automotive facility acquisitions, especially where real estate is a significant asset. Buyers should model equipment financing, leasehold improvements, working capital reserves, pre opening costs, and total capital needs within the $462,020 to $2,300,000 range with qualified financing professionals.
An Express Oil Change location requires a staffed service operation with certified technicians for work such as brakes, tire installation, and diagnostic inspections, supported by lube technicians for routine oil changes. The brand has historically presented itself as a full service maintenance center, with services that include tire sales and installation, brake work, air conditioning, and state inspections where applicable. These services require different equipment and technician qualifications. Formats have traditionally included multi bay drive through and drive in facilities, generally using a freestanding pad or inline strip center with enough vehicle access for multiple simultaneous services. Automotive franchise training of this type typically includes two to four weeks of classroom and hands on instruction covering procedures, customer interactions, point of sale systems, inventory, and safety, followed by opening support. Mavis Tire Express Services Corp. operates across multiple brands and hundreds of company operated locations, providing a larger operating infrastructure than a regional standalone brand. Automotive franchise systems commonly use protected radiuses or defined territories, and multi unit development agreements are available to operators planning several locations.
Due diligence should include Item 20 franchisee conversations, market revenue comparisons, and review of the broader brand structure. Express Oil Change’s full service model may support a higher revenue ceiling than an oil change only operation, with tire sales alone potentially contributing $300,000 to $600,000 annually at a well trafficked location. Buyers should request audited financial statements or tax returns from existing franchisees.
Jim Lunceford founded Express Oil Change in Birmingham, Alabama, in 1979, and the company remained an independent regional chain for more than two decades. Carousel Capital purchased a majority stake in 2005. Thompson Street Capital Partners acquired the brand in 2010, and Carousel Capital reacquired it in 2013. In February 2018, San Francisco based Golden Gate Capital acquired Express Oil Change and merged it with Mavis Discount Tire to form Mavis Tire Express Services Corp., which also includes Brakes Plus. The resulting platform is one of the larger privately held automotive service networks in the United States and operates across hundreds of locations. Franchisees may benefit from purchasing scale, negotiated tire procurement, shared marketing resources, and service expertise across automotive categories. The brand’s 13 reported franchise units show a focused franchise footprint within the newer corporate structure. That may reflect selective development or an early expansion phase. Buyers should assess the franchise within the priorities of the larger portfolio company.
A suitable Express Oil Change candidate needs business management and financial skills, along with an interest in automotive services. Experience in multi unit retail, automotive dealerships, fleet maintenance, or small business ownership can help, although prior automotive experience is not essential. Daily responsibilities include managing technician productivity, parts inventory, and customer throughput. With an investment of $462,020 to $2,300,000, this is not an entry level franchise. Candidates should review personal finances, consult a franchise attorney and accountant, and study local demand, competition, and real estate availability. The brand has concentrated geographic depth rather than national breadth, so some new markets may have limited Express Oil Change presence while still facing established national quick lube competitors. Investors capable of developing two to three locations may benefit from shared management, growing local awareness, and stronger negotiations with real estate partners. Franchise candidates should discuss how the Express Oil Change concept fits within the Mavis Tire Express Services Corp. portfolio.
The investment case combines recurring maintenance demand, an average vehicle age of 12.5 years, Express Oil Change’s operating history since Jim Lunceford’s 1979 founding in Birmingham, Alabama, Golden Gate Capital ownership, and the Mavis Tire Express Services Corp. platform. The investment range is $462,020 to $2,300,000. Independent analysis assigns the brand a Loan Activity Score of 46, rated Fair, which supports careful investigation. PeerSense provides independent research that can include SBA lending history, Loan Activity Score scoring, location maps with Google ratings, FDD financial data, and comparisons with competing automotive service franchises. PeerSense helps buyers evaluate financing options and connect with SBA and conventional lenders, but it does not lend, fund, or approve loans.
Loan Activity Score
46/100
SBA Default Rate
0.0%
Active Lenders
11
According to its Franchise Disclosure Document or public business records, Express Oil Change has 17 locations, all owned by franchisees. Public SBA loan records show 11 lenders made 19 loans to franchisees of Express Oil Change. PeerSense calculates Express Oil Change's score as 46 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1979 · 17 locations
$462,020 to $2.3M
17
17 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Express Oil Change
19
Total SBA loans
$1.4M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Express Oil Change
Loan Activity Score Breakdown
Growing (10 to 24 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
0.0%
vs 10.8% peer avg
SBA Loans
19
Total Volume
$26.9M
Active Lenders
11
1 selective
States
7
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 Express Oil Change based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
19 loans
Across 11 lenders
Lender Diversity
11 lenders
Avg 1.7 loans per lender
Investment Tier
Premium investment
$462,020 to $2,300,760 total
Express Oil Change: 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
2015
5 approvals. The best year on record for Express Oil Change.
Top SBA State
Florida
9 SBA financed Express Oil Change locations, the densest operator footprint.
Average Loan Size
$1.5M
Median $2.4M. Use as a sizing anchor when modeling your own Express Oil Change unit.
Lender Concentration
55.8%
Concentrated
Share of Express Oil Change approvals captured by the top 3 SBA lenders.
Express Oil Change's SBA lending pipeline peaked in 2015 (5 approvals). The last five fiscal years account for 37% of cumulative volume ($15M approved). Operator density is highest in Florida with 9 SBA financed locations. Average funded ticket sits at $1.5M, with the median at $2.4M. Lender mix is concentrated: the top three SBA lenders account for 55.8% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$4,783
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
Express Oil Change, 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
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