All Tune and Lube Franchise Cost, Revenue & Review 2026
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]. 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]. FranchiseVerdict grade: F (Weakest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2022 FDD issuance
Overview
- Investment
- $104K – $133K
- 14th pct Automotive
- Avg gross sales
- N/A
- Royalty
- 7.0%
- 27th pct Automotive
- Units
- 25
- 16th 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 avg · 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.
- RETURNSNo Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- RISKVerdict F (Weakest tier), verdict score 24/100 (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).
- 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.
- Parent company
- None
- 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 87% below the typical automotive franchise.
Source: FDD 2022 · Items 5–7
Full Item 7 breakdown48 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
- $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%
- 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 did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one All Tune and Lube unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
73%
Above the 30–60% band. Verify revenue is per-unit average
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
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
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% — below the Automotive average of 9.3%.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
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 averages
How All Tune and Lube Compares
Is the system healthy?
Source: FDD 2022 · Item 20
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
- 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
3-year detail · Item 20
- Opened (3yr)
- 5
- Closed (3yr)
- 2
- Terminated (3yr)
- 1
- Non-renewed (3yr)
- 4
- Transfers (3yr)
- 2
- Reacquired (3yr)
- 0
- Franchisor bought back
- 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%
- 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.
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.
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
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)
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 24 / 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)
- 03HIGHGoing Concern status is FALSE: Indicates franchisor may have had financial viability concerns or restructuring issues that warrant deeper investigation
- 04MED15-year term is unusually long without disclosed profitability metrics; locks franchisee into commitment without baseline performance data
- 05HIGHVague 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 |
| 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
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 $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 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 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. 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 verdict score of 24 out of 100 (higher is better), 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.
For franchisors
Are you the franchisor?
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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.