All Tune and LubeFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A All Tune and Lube franchise requires a total initial investment of $112K – $147K, including a $29K franchise fee and an ongoing 7.0% royalty[2]. The 2022 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 43.9% charge-off rate across 270 loans[1]. Verdict grade: F. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2022 FDD issuance
Overview
- Investment
- $112K – $147K
- 13th pct Automotive
- Avg gross sales
- N/A
- 24th pct Automotive
- Royalty
- 7.0%
- 18th pct Automotive
- Units
- 25
- 13th pct Automotive
- SBA default
- 43.9%
- system-wide median varies by category
Quick verdict · Automotive · color = vs category peers
Green = >15% above Automotive avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
43.9% of SBA loans charged off across 270 loans, above the 16% franchise average.
Franchising since 1986. Systems this mature have refined operations and brand recognition.
The system contracted 7% year-over-year. Investigate why units are closing.
Bottom line
- Total investment $112K – $147K including a $29K franchise fee, 7.0% ongoing royalty.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict F (Bottom Quintile) with a risk score of 100/100. 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, 2010–2024).
- System 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
- Legal entity
- ATL International, Inc.
- Incorporated in
- MD
- HQ
- 8334 Veterans Highway, Millersville, Maryland 21108
- Auditor
- Weyrich, Cronin & Sorra, LLC
- Audited financials
- Franchisor revenue
- $900K
- vs $1.0M prior year
Overview
About
All Tune and Lube franchisees operate automotive service centers providing general repairs, tire/battery sales, transmission services, and motor oil changes (Motor Mate program). Day-to-day operations include customer vehicle diagnostics, maintenance scheduling, inventory management for parts/fluids, technician supervision, and service quality control across multiple revenue streams with varying commission rates.
- CEO
- Kevin D. Magnuson
- Headquarters
- MD
- Founded
- 1985
- FDD year
- 2022
- States available
- 13
FDD Item 7 · 2022 filing · 48 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) | — | — | |
| Franchise License Fee (ATL Motor Mate)not refundable | $27K | $27K | |
| Travel and Living Expenses While Training (ATL Motor Mate) | $300 | $500 | |
| Real Estate and Improvements (ATL Motor Mate) | — | — | |
| Equipment (ATL Motor Mate) | $19K | $25K | |
| Computer Hardware and Software (ATL Motor Mate) | $3K | $4K | |
| Initial Inventory (ATL Motor Mate) | $1K | $2K | |
| Promotional Material, Business Supplies, Stationery (ATL Motor Mate) | $2K | $2K | |
| Signs (Interior and Exterior) Plus Installation (ATL Motor Mate) | $500 | $2K | |
| Total initial investment | $413K | $511K |
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
- $112K – $147K
- Better than avg vs category
- Liquid capital req'd
- $30K – $40K
- Better than avg vs category
- Franchise fee
- $29K – $36K
- Better than avg vs category
- Royalty
- 7.0%
- Gross Sales · typical 6–8%
- Ad fund
- Agreed upon amount paid weekly
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 7.0% of gross sales |
| Transfer fee | $10K |
| Total fee load | 7.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Automotive averages
How All Tune and Lube Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 25
- Opened
- 4
- Last reporting year
- Closed
- 6
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 4
- Term expired, not renewed (per Item 20)
- Turnover rate
- 22.2%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (yr3)
- -7.4%
- Net unit change last year
- 3-yr CAGR
- -30.6%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 2
- 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 20 · 5 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
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%
- 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
Vintage analysis
All Tune and Lube charge-off rate by loan vintage
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into All Tune and Lube's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 20-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
A 43.9% charge-off rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Shrinking franchise system with undisclosed financials, complex royalty structure, and past going concern issues presents meaningful risk without transparent performance data to justify long-term commitment.
Litigation (Item 3)
No current litigation. Routine litigation or arbitration may occur in ordinary course of business.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Weyrich, Cronin & Sorra, LLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: No
- Can negotiate own supplier terms: Yes
Score breakdown · what drove the 100 / 100 rating
- 01MINORDeclining unit count: -7.4% YoY (25 units) suggests system contraction and potential market saturation or franchisee struggles
- 02MEDNo Item 19 financial disclosure: Average revenue and net income not disclosed makes ROI assessment impossible; unable to validate if $112k-$146.5k investment generates adequate returns
- 03MINORComplex 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)
- 04HIGHGoing Concern status is FALSE: Indicates franchisor may have had financial viability concerns or restructuring issues that warrant deeper investigation
- 05MED15-year term is unusually long without disclosed profitability metrics; locks franchisee into commitment without baseline performance data
- 06HIGHVague 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
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 15 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 3 |
| Territory type | Market area based on vehicle count |
| Protected territory | Yes |
| 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 |
| Right of first refusalℹ | No |
| Termination notice | 15 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Maryland |
| Litigation count | 0 |
View Item 3 litigation summary
No current litigation. Routine litigation or arbitration may occur in ordinary course of business.
Items 10, 11
Training & Operations
- Classroom training
- 40 hrs
- On-the-job training
- 120 hrs
- Training location
- On-site at Restaurant
- Ongoing training
- Required
- POS system
- ShopPro
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: ShopPro
Item 20 · call current owners
Franchisee Contacts
6 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
All Tune and Lube · FDD (2022) PDF
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 $112K – $147K, 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 does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
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. 4 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 risk score of 100 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. 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.
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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.