Express Oil Change & Service C
The total investment to open a Express Oil Change & Service C franchise ranges from $61,620 to $1.4M. The initial franchise fee is $50,000. Ongoing royalties are 5% plus a 3% advertising fee.
What is the Express Oil Change & Service C franchise?
Express Oil Change & Service C changes oil and lubricates vehicles for drivers. The estimated total initial investment is $61,620 to $1,360,000, and the initial franchise fee is $50,000.
The royalty is 5 percent of sales, and the advertising or brand fund fee is 3 percent. The franchise agreement lasts 10 years. Headquarters are in Midlothian, Virginia. The brand was founded in 1979.
Loan Activity Score
42/100
SBA Default Rate
0.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Express Oil Change & Service C has 7 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 9 loans to franchisees of Express Oil Change & Service C. PeerSense calculates Express Oil Change & Service C's score as 42 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1979 · 7 locations
$61,620 to $1.4M
$50,000
7
7 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Express Oil Change & Service C
9
Total SBA loans
$404K
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 & Service C
Loan Activity Score Breakdown
Emerging (3 to 9 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
9
Total Volume
$3.6M
Active Lenders
7
States
6
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 & Service C based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
9 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.3 loans per lender
Investment Tier
Significant investment
$61,620 to $1,360,000 total
Express Oil Change & Service C: 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
2012
4 approvals. The best year on record for Express Oil Change & Service C.
Top SBA State
Virginia
3 SBA financed Express Oil Change & Service C locations, the densest operator footprint.
Average Loan Size
$404K
Median $105K. Use as a sizing anchor when modeling your own Express Oil Change & Service C unit.
Lender Concentration
55.6%
Concentrated
Share of Express Oil Change & Service C approvals captured by the top 3 SBA lenders.
Express Oil Change & Service C's SBA lending pipeline peaked in 2012 (4 approvals). Operator density is highest in Virginia with 3 SBA financed locations. Average funded ticket sits at $404K, with the median at $105K. Lender mix is concentrated: the top three SBA lenders account for 55.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$638
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 & Service C, 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