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Line-X

Line-X

The total investment to open a Line-X franchise ranges from $25,000 to $561,320. The initial franchise fee is $50,000. Ongoing royalties are 5.4% plus a 1.5% advertising fee.

What is the Line-X franchise?

Linex is a franchise in the automotive aftermarket that provides protective coatings and vehicle upfitting services. Its products address vehicle wear and tear by helping protect vehicles, extend their useful life, and improve durability. The company began on April 2nd, 1993, as a small family owned chemical manufacturing business and established its headquarters in Huntsville, Alabama, USA. Linex introduced its national franchise program in 1999. The network now includes 172 total units, reflecting expansion over more than two decades. Linex specializes in protective coatings and vehicle upfitting, not interior design, despite possible miscategorization in general databases. Its market is the automotive aftermarket and protective coatings sector, a multi billion dollar industry supported by demand for vehicle maintenance, customization, and longer vehicle use. The brand has more than 25 years of franchise history and an established product and service model. The information reviewed here is an independent assessment for due diligence rather than marketing material.

The average age of vehicles on the road reached a record 12.5 years in 2023, supporting demand for maintenance and protection that can extend vehicle utility. Consumers also continue to customize trucks and SUVs, creating demand for specialized upfitting services. Growth in e commerce has increased the number of delivery fleets that need coatings and modifications able to withstand daily use, creating a commercial opportunity for providers such as Linex. Pickup trucks and utility vehicles remain key candidates for protective bedliners and undercoatings. Consumers are also investing more in recreational vehicles and outdoor equipment that need protection from environmental conditions. Vehicle protection can be viewed as an essential service for owners who want to preserve existing assets, and the category may be less exposed to economic changes than some retail businesses. Competition in protective coatings is fragmented locally, although several national brands are well established. Linex holds a strong position based on product quality and brand recognition. Supply chain challenges affecting new vehicle production and sales have also encouraged some consumers to keep and improve existing vehicles for longer, supporting aftermarket demand.

The initial franchise fee for Linex is $50,000. Total initial investment ranges from $25,000 to $561,320. The range reflects different operating formats, from a mobile service unit or smaller application bay to a full facility with a larger build out, specialized equipment, and more initial inventory. Geographic location, real estate costs, and local permitting requirements also affect the total. Franchisees must show $50,000 in liquid capital and a $150,000 net worth. The financial profile places Linex in the mid tier range for this type of automotive aftermarket franchise and requires meaningful capital and financial preparation. The provided information does not detail specific parent company backing. Still, the national presence and 172 total units indicate a corporate structure supporting the franchise system. Linex's established history and automotive aftermarket position typically make the franchise eligible for Small Business Administration loans for qualified candidates, although PeerSense is not a lender and does not approve or provide loans.

The Linex operating model focuses on protective coating application and vehicle upfitting, so daily operations require direct oversight of technical work and customer service. A typical day may include assessing a customer's vehicle protection needs, preparing the vehicle, applying proprietary Linex materials, completing finishing work, and checking quality after application. Franchisees also handle sales, specialized chemicals and equipment, scheduling, inventory, and general administration. A location generally needs skilled coating technicians, customer service representatives, and administrative support. An owner operator model is common in the early stages, while growth may require a small employee team. The primary format is a full service shop because coating work requires specialized equipment and a controlled environment. The lower end of the investment range indicates that smaller service points or mobile units may be possible for certain applications. Linex provides training covering product application, operating procedures, sales, and business management. That training supports consistent standards and product quality across all 172 total units. Ongoing support includes field consultants, product innovation and development, proprietary technology platforms, and marketing materials. A centralized supply chain provides access to Linex coatings and other specialized materials. Territories are generally structured to give franchisees exclusive operating areas, which can limit internal competition and support local development. Specific multi unit requirements are not provided, but the network's growth suggests potential for expansion minded owners to develop multiple locations in a defined region. The technical work and customer contact favor an owner operator, especially at the beginning, while an experienced multi unit owner may use a strong general manager for a semi absentee structure.

Useful reference points include publicly available automotive industry revenue data, Linex's competitive position, and its historical unit growth. The automotive aftermarket service category can support high ticket services and strong margins in well managed operations, but industry benchmarks are not Linex specific. Linex has grown to 172 total units since beginning franchising in 1999, an average of approximately 6.88 new units per year. That history indicates a model that has attracted and retained franchisees over more than two decades. Linex has a Loan Activity Score of 60, classified as Moderate, which indicates a balanced risk and reward profile within the franchise industry. Those figures provide sector context only and are not projections for Linex locations. Buyers should speak directly with existing Linex franchisees about operations and financial results.

Linex has reached 172 total units since its national franchise program began in 1999, averaging approximately 6.88 units of annual growth over 25 years. The pattern reflects steady expansion rather than explosive growth. The available information does not describe recent acquisitions, rebrands, or major technology investments, but the brand's continued presence and expansion suggest ongoing development of products and application methods. Its competitive advantages begin with recognition in protective coatings, particularly truck bedliners, and a reputation for quality and durability. The company's origin as a chemical manufacturer on April 2nd, 1993, points to specialized experience and proprietary technology in coating formulations. That expertise can create a barrier for competitors entering the category. The centralized supply chain is intended to provide consistent quality and availability of these chemical products across all 172 Linex franchise locations. The specialized product line may also support repeat business and word of mouth referrals when customers seek protection for additional vehicles or equipment. Linex continues to adapt its products to demand for vehicle customization and protection. Applications extend beyond traditional truck beds to marine, industrial, and recreational vehicle coatings, helping the brand serve several parts of the broader protection market.

A suitable Linex franchisee generally needs an entrepreneurial approach, strong operating skills, and close attention to customer service. Automotive aftermarket experience may help but is not required because Linex training covers product application and business management. The owner should be able to lead a small group of technicians and manage daily work at a specialized service center. The financial requirements are $50,000 in liquid capital and a $150,000 net worth, indicating that candidates must have the resources to support the business through its early stages. The 172 unit network may offer multi unit development opportunities for qualified owners seeking to build a portfolio in selected markets. The franchisor continually assesses and offers territories, with attention to demographics that support vehicle ownership, especially trucks and SUVs, as well as demand for customization and protection. Areas with many commercial fleets, outdoor enthusiasts, and construction businesses may be favorable markets. Opening a location typically takes several months after signing the franchise agreement. The process includes selecting a site, negotiating a lease, building out or renovating the facility, installing equipment, and completing required franchisee training. The specific agreement term is not available. Standard industry practice generally involves multi year terms with renewal options, subject to performance and compliance with franchise standards. Selling or transferring a Linex franchise would typically require franchisor approval and compliance with the procedures in the franchise agreement.

Linex offers an investment in the automotive aftermarket protective coatings and vehicle upfitting category. The brand began in 1993, started its national franchise program in 1999, and has grown to 172 total units. The franchise fee is $50,000, with total initial investment from $25,000 to $561,320, a liquid capital requirement of $50,000, and a net worth requirement of $150,000. Its Loan Activity Score is 60, classified as Moderate. The system is built around proprietary coating technology, protective services, and a recognized position in the market. Demand comes from owners seeking longer vehicle use, customization, and utility, although buyers should assess how local demand and operating execution affect results. PeerSense provides independent due diligence information that includes SBA lending history, the Loan Activity Score, location maps with Google ratings, FDD financial data, and side by side comparison tools. PeerSense introduces franchise buyers to SBA and conventional lenders but does not lend, fund, or approve loans.

Loan Activity Score

60/100

SBA Default Rate

9.3%

Active Lenders

105

According to its Franchise Disclosure Document or public business records, Line-X has 152 locations, all owned by franchisees. Public SBA loan records show 105 lenders made 204 loans to franchisees of Line-X. PeerSense calculates Line-X's score as 60 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

2026 FDD VERIFIEDInterior Design Services

Franchising since 1993 · 152 locations

Investment

$25,000 to $561,320

Franchise Fee

$50,000

Total Units

152

152 franchised

Loan Activity Score
Very high
60
SBA Lending
25
Lender Quality
11
Transparency
11
Reach
10
Momentum
3

Proprietary PeerSense metric

Moderate
Capital Sources
105SBA lenders

Distinct lenders in public SBA records for Line-X

204

Total SBA loans

$235K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Line-X

Loan Activity Score Breakdown

Major Brand (100+ loans)

Very High Confidence
60out of 100
Moderate
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence11/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency11/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint10/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

9.3%

vs 10.8% peer avg

SBA Loans

204

Total Volume

$47.9M

Active Lenders

105

14 selective

States

42

vs. SBA Sector Average

+1.5%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (9.3%)
152 locations nationwide

Data Insights

Key performance metrics for Line-X based on SBA lending data

SBA Default Rate

9.3%

1.5% below peer avg

SBA Loan Volume

204 loans

Across 105 lenders

Lender Diversity

105 lenders

Avg 1.9 loans per lender

Investment Tier

Mid range investment

$25,000 to $561,320 total

Line-X: 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

2005

32 approvals. The best year on record for Line-X.

Top SBA State

Florida

18 SBA financed Line-X locations, the densest operator footprint.

Average Loan Size

$235K

Median $100K. Use as a sizing anchor when modeling your own Line-X unit.

Lender Concentration

16.7%

Highly Diversified

Share of Line-X approvals captured by the top 3 SBA lenders.

Line-X's SBA lending pipeline peaked in 2005 (32 approvals). The last five fiscal years account for 10% of cumulative volume ($13M approved). Operator density is highest in Florida with 18 SBA financed locations. Average funded ticket sits at $235K, with the median at $100K. Lender mix is highly diversified: the top three SBA lenders account for 16.7% of approvals. Borrowers have leverage to shop multiple credit boxes.

Payment Estimator

Loan Amount$20K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$259

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

Line-X, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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Line-X

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; 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