All Tune and Lube Franchise Cost, Revenue & Review 2026
- Investment
- $104K – $133K
- Disclosed sales
- not disclosed
- SBA charge-off
- 43.9%
- on 270 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
All Tune and Lube is an automotive franchise offering oil changes, tune-ups, brakes, and general repairs. Franchisees run the service centers, managing technicians, scheduling, and customer service.
FranchiseVerdict summary · 2026
A All Tune and Lube franchise requires a total initial investment of $104K – $133K, including a $29K franchise fee and an ongoing 7.0% royalty[2]. This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. SBA 7(a) loans show a 43.9% charge-off rate across 270 loans[1]. FranchiseVerdict grade: F (Weakest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: high - issued more than two years ago
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored4 of 4 headline figures on this page cite a page of the filing.
Overview
- Investment
- $104K – $133K
- 14th pct Automotive
- Avg gross sales
- N/A
- Royalty
- 7.0%
- 31st pct Automotive
- Units
- 25
- 15th pct Automotive
- SBA charge-off
- 43.9%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Automotive · color = vs category peers
Green = favorable by >10% vs Automotive median · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $104K – $133K including a $29K franchise fee, 7.0% ongoing royalty.
- RETURNSThis franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
- RISKVerdict F (Weakest tier), verdict score 23/100 (higher is better). SBA loan charge-off rate of 43.9% across 270 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHNegative: net -2 franchised outlets in the latest year (5 opened, 7 closed); 21 signed but not yet open (Item 20).
- DECLINESystem contracting at -30.6% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- ATL International, Inc.
- Predecessor
- All Tune and Lube System, Inc.
- Prior franchisor entity
- CEO title
- Chairman of the Board of Directors and President
- Kevin D. Magnuson
- Incorporated in
- Maryland
- HQ
- 8334 Veterans Highway, Millersville, Maryland 21108
- Auditor
- Weyrich, Cronin & Sorra
- Audited financials
- Franchisor revenue
- $1.0M
- vs $900K prior year
Overview
About
- CEO
- Kevin D. Magnuson
- Headquarters
- Maryland
- Founded
- 1985
- FDD year
- 2022
- States available
- 7
Can you afford it, and what does the money buy?
Entry cost runs 68% below the typical automotive franchise.
Source: FDD 2022 · Items 5–7
Full Item 7 breakdown12 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Franchise License Fee (All Tune and Lube)not refundable | $27K | $27K | |
| Travel and Living Expenses While Training (All Tune and Lube) | $300 | $500 | |
| Real Estate and Improvements (All Tune and Lube) | — | — | |
| Equipment (All Tune and Lube) | $25K | $30K | |
| Computer Hardware and Software (All Tune and Lube) | $3K | $4K | |
| Initial Inventory (Replacement Parts and Oil) (All Tune and Lube) | $5K | $8K | |
| Promotional Material, Business Supplies, Stationery (All Tune and Lube) | $2K | $2K | |
| Signs (Interior and Exterior) Plus Installation (All Tune and Lube) | $2K | $5K | |
| Miscellaneous Opening Costs (All Tune and Lube) | $6K | $12K | |
| Initial Advertising Fee (All Tune and Lube) | $5K | $5K | |
| Additional Funds - 3 Months (All Tune and Lube) | $30K | $40K | |
| Insurance (All Tune and Lube) | — | — | |
| Total initial investment | $104K | $133K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $104K – $133K
- Top 40% of category vs category
- Liquid capital req'd
- $30K – $40K
- Top 40% of category vs category
- Franchise fee
- $29K – $29K
- Top 40% of category vs category
- Royalty
- 7.0%
- Set by a formula · typical 6–8%
- Ad fund
- Weekly advertising contribution is an amount agreed upon …
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 7.0% of gross sales |
| Transfer fee | $10K |
| Inventory (initial) | $5K – $8K |
| Total fee load | 7.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
All Tune and Lube makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. The return models need a revenue figure to start from, and the operating costs that turn gross sales into a profit are in no FDD. Enter your own and the calculator runs on your assumptions — nothing here is modelled until you do.
Returns model · single-unit ROIC
What would one All Tune and Lube unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for annual revenue, ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2022 FDD
Financial Performance
No financial performance representation
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 7.0% (near the Automotive median).
Disclosure
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator retention
System contracting at -30.6% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Automotive medians
How All Tune and Lube Compares
Category median of published Automotive brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2022 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 25
- Opened
- 5
- Last reporting year
- Closed
- 7
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 4
- Term expired, not renewed (per Item 20)
- Turnover rate
- 28.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -30.6%
- Net unit change over 3 years
- 3-yr CAGR
- -30.6%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 1
- Not renewed
- 4
- Signed, not yet open
- 21
- 0.84 per open outlet · Item 20 Table 5
- Projected new
- 11
- Franchisor's next-year forecast
- Transfer rate
- 8.0%
- Owners selling to other franchisees
- Termination rate
- 12.0%
- Franchisor-initiated terminations
- Ceased ops
- 24.0%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 7 states reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
7
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 270
- Loan volume
- $26.9M
- Median loan
- $88K
- 50th percentile
- Charge-off rate
- 43.9%
- on 270 loans · rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 56.1%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 73
- Defaults
- 118
- Typical loan rate
- 7.1%
- avg rate to borrowers
- Franchised industry avg
- 23.2%
- brand above franchise avg ↑
- Jobs supported
- 593
- 2.2 per loan
- Lender concentration
- 18%
- top lender's share
Franchise vs independent — in general automotive repair, franchised businesses charge off at 23.2% vs 13.9% for independents — franchising is associated with 67% higher SBA default risk in this category.
Vintage analysis
All Tune and Lube charge-off rate by loan vintage
Top lenders financing All Tune and Lube franchisees
Showing 3 of 73 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for All Tune and Lube from SBA 7(a) FOIA data.
- Principal loss rate
- 28.7%
- Avg SBA guarantee
- 78%
- Avg interest rate
- 7.06%
- Avg chargeoff amount
- $65K
- Lender concentration
- 17.8%
- Job velocity
- 2.2 per $100K
- NAICS benchmark
- 23.2%
- NAICS 811111
- Jobs supported
- 593
Top SBA lendersTop lender holds 18% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Readycap Lending, LLC | 48 | $4.1M | 68.8% |
| 2 | Wells Fargo Bank National Association | 43 | $4.3M | 37.2% |
| 3 | Popular Bank | 19 | $2.3M | 31.6% |
| 4 | Bank of America, National Association | 17 | $1.6M | 37.5% |
| 5 | Comerica Bank | 10 | $874K | 40.0% |
| 6 | Manufacturers and Traders Trust Company | 10 | $896K | 30.0% |
| 7 | JPMorgan Chase Bank, National Association | 10 | $872K | 50.0% |
| 8 | PNC Bank, National Association | 8 | $842K | 25.0% |
| 9 | First Commercial Bank, National Association | 4 | $338K | 50.0% |
| 10 | The Huntington National Bank | 4 | $340K | 25.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| TXTexas | 43 | 25 | 58.1% |
| CACalifornia | 33 | 17 | 51.5% |
| FLFlorida | 19 | 6 | 31.6% |
| ILIllinois | 18 | 7 | 38.9% |
| MDMaryland | 15 | 4 | 26.7% |
| GAGeorgia | 11 | 6 | 54.5% |
| VAVirginia | 11 | 2 | 20.0% |
| MNMinnesota | 8 | 3 | 37.5% |
| NCNorth Carolina | 8 | 3 | 37.5% |
| OHOhio | 8 | 2 | 25.0% |
SBA 7(a) lending trend
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
A 43.9% charge-off rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 43.9% — 174% above the 16.0% national norm, i.e. higher lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
Item 3 discloses no current litigation and no closed litigation required to be disclosed; franchisor notes routine litigation/arbitration in the ordinary course of business not requiring disclosure.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Weyrich, Cronin & Sorra
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 23 / 100 verdict
- 01MINORDeclining unit count: -7.4% YoY (25 units) suggests system contraction and potential market saturation or franchisee struggles
- 02MINORComplex tiered royalty structure (3%-7% + $395/week minimum) creates unpredictable cost burden, especially if revenue is heavily weighted toward low-margin tire/battery sales (3% rate)
- 03MED15-year term is unusually long without disclosed profitability metrics; locks franchisee into commitment without baseline performance data
- 04HIGHVague litigation language: 'Routine litigation' statement is boilerplate; unable to assess severity, frequency, or nature of actual disputes
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 7.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2022 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 15 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 3 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 40,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | No |
| Transfer requires consent | Yes |
| Termination notice | 15 days |
| Mandatory arbitration | Yes |
| Arbitration location | Baltimore, Maryland (AAA filed with Washington, D.C. office); mediation in Maryland |
| Jury trial waiver | Yes |
| Governing law | Maryland |
| Litigation count | 0 |
View Item 3 litigation summary
Item 3 discloses no current litigation and no closed litigation required to be disclosed; franchisor notes routine litigation/arbitration in the ordinary course of business not requiring disclosure.
Items 10, 11
Training & Operations
- Classroom training
- 40 hrs
- On-the-job training
- 120 hrs
- Training location
- Online virtual training, or classroom at ATL headquarters in Millersville, Maryland; on-the-job training at franchisee's Center.
- Ongoing training
- Required
- Field support
- 30 hrs/yr
- On-site visits per year
- Site selection
- franchisee selects, franchisor approves
- Franchisor financing
- Not offered
- Item 10
- POS system
- ShopPro (Advantage Systems) - suggested, not required
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: ShopPro (Advantage Systems) - suggested, not required
Item 20 · call current owners
Franchisee Contacts
42 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a All Tune and Lube franchise?
The total investment to open a All Tune and Lube franchise ranges from $104K – $133K, with an initial franchise fee of $29K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do All Tune and Lube franchise owners earn?
All Tune and Lube makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns All Tune and Lube?
All Tune and Lube is franchised by ATL International, Inc.. The FDD names no parent company. Source: FDD Item 1, 2022 filing.
What is Item 19 in the All Tune and Lube FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the All Tune and Lube FDD and qualifies whose outlets they describe.
What is All Tune and Lube's franchise failure rate?
Based on SBA 7(a) loan data, All Tune and Lube has a charge-off rate of 43.9% across 270 loans, meaning 43.9% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many All Tune and Lube franchise locations are there?
As of their most recent FDD filing, All Tune and Lube has 25 total units in the United States, including 25 franchised units and 0 company-owned units. 5 new units were opened in the latest reporting year.
Is All Tune and Lube a good franchise to buy?
FranchiseVerdict rates All Tune and Lube as a F-grade franchise with a verdict score of 23 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.