SpeeDee Oil Change & Auto Service Franchise Cost, Revenue & Review 2026
- Investment
- $708K – $2.3M
- Disclosed sales
- $1.2M
- gross sales, not profit
- SBA charge-off
- Limited · 13 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
SpeeDee Oil Change & Auto Service is an automotive franchise providing quick oil changes plus brakes, tune-ups, and general repair. Franchisees run service centers managing technicians, fast-lube bays, and repair work.
FranchiseVerdict summary · 2026
A SpeeDee Oil Change & Auto Service franchise requires a total initial investment of $708K – $2.3M, including a $40K franchise fee and an ongoing 6.0% royalty[2]. Per the 2026 FDD, average unit revenue was $1.2M[2]. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
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 scored1 of 7 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $708K – $2.3M
- 51st pct Automotive
- Avg gross sales
- $1.2M
- Net sales13th pct Automotive
- Royalty
- 6.0%
- 15th pct Automotive
- Units
- 78
- 26th pct Automotive
- SBA charge-off
- N/A
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 $708K – $2.3M including a $40K franchise fee, 6.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.2M/year.
- RISKVerdict B (Above average), verdict score 64/100 (higher is better).
- GROWTHPositive: net +3 franchised outlets in the latest year (4 opened, 1 closed); 5 signed but not yet open (Item 20).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- SpeeDee Worldwide, LLC
- Parent company
- MOP GM Holding, LLC
- FDD Item 1, page 8 of the 2026 FDD
- Ultimate parent
- MidOcean Partners V, L.P.
- FDD Item 1, page 9 of the 2026 FDD
- Predecessor
- SpeeDee Worldwide Corporation
- Prior franchisor entity
- CEO title
- Chief Executive Officer
- Robert M. Lynch
- Incorporated in
- Delaware
- HQ
- 5575 DTC Parkway, Suite 100, Greenwood Village, Colorado 80111
- Auditor
- KPMG LLP
- Audited financials
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Independent franchisee associations
- Franchise Advisory Council (FAC)
Franchisee-led councils or alliances disclosed in Item 20. Indicates operator voice.
Same owner · FDD Item 1, page 9
2 other brands on this site name MidOcean Partners V, L.P. as parent or ultimate parent in their own FDD.
Portfolio: MidOcean Partners (private-equity sponsor)
Grouped by the owner's name as each filing prints it (this page: the 2026 FDD). Spelling variants of the same group may be listed apart; a brand is never grouped with an owner its filing does not name.
Overview
About
- CEO
- Robert M. Lynch
- Headquarters
- CO
- Founded
- 1986
- FDD year
- 2026
- States available
- 11
Can you afford it, and what does the money buy?
Entry cost runs 307% above the typical automotive franchise.
Source: FDD 2026 · Items 5–7
Full Item 7 breakdown15 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $40K | $40K | |
| Real Estate | $24K | $125K | |
| Building Work | $350K | $1.2M | |
| General Site Work | $75K | $450K | |
| Due Diligence, Permits, Design and Plans | $25K | $80K | |
| FF&E Package & Installation | $87K | $200K | |
| Grand Opening Costs | $10K | $10K | |
| Initial Inventory | $25K | $35K | |
| Signs | $20K | $40K | |
| Supplies | $3K | $5K | |
| Initial Training - Travel & Lodging Expenses | $3K | $6K | |
| Computer Hardware and Software | $8K | $10K | |
| Point of Sale Maintenance Fee | $1K | $3K | |
| Prepaid Expenses | $2K | $5K | |
| Additional Funds (3 months) | $35K | $75K | |
| Total initial investment | $708K | $2.3M |
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
- $708K – $2.3M
- Middle of category vs category
- Liquid capital req'd
- $35K – $75K
- Top 40% of category vs category
- Franchise fee
- $40K – $40K
- Top 40% of category vs category
- Royalty
- 6.0%
- typical 6–8%
- Ad fund
- 0.5%
- typical 3–5%
- Total fee load
- 11.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 0.5% of gross sales |
| Technology fee | $218 |
| Transfer fee | $5K |
| Renewal fee | $5K |
| Inventory (initial) | $17K – $29K |
| Total fee load | 11.0% of rev |
What do units actually make?
Average unit sales run 16% above the automotive norm.
Reported as net sales, not gross sales
Source: FDD 2026 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for SpeeDee Oil Change & Auto Service until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for 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.
Total invested capital · disclosed
$1.6M
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one SpeeDee Oil Change & Auto Service 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 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.
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for 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.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
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: 2026 FDD
Financial Performance
Reported as net sales, not gross sales
- Avg gross sales
- $1.2M
- Per unit/yr · from the Item 19 franchised-cohort breakdown (no single system-wide average disclosed)
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- historic actual Net Sales performance by category (Chart I, 5 sales-range categories) and by quartile (Chart II) among 45 (subset 41) franchisee-owned Centers open the full 2025 calendar year
- Sample size
- 45 outlets
- vs category median 70
- Range (low → high)
- $424K→$3.1MNot cited — published from our reading of the franchisor's disclosure document; the page it is printed on has not been located.
- Cohort dispersion (min → max)
- Quartile band
- $567K→$2.1M
- Bottom 25% → top 25%
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 7 / 10
- vs category median 4 / 10 · above
Compared against 167 Automotive brands
Revenue is only 0.8x the investment. This means each unit may take 5+ years to recoup the initial outlay at typical margins.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $1.2M/year in gross sales. Revenue-to-investment ratio: 0.8x.
Fee burden
Total ongoing fee load of 11.0% — above the Automotive median of 8.0%.
Disclosure
Transparency score 7/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System roughly stable (+1.5% 3-year CAGR) with 78 units.
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 SpeeDee Oil Change & Auto Service 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 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 78
- Opened
- 4
- Last reporting year
- Closed
- 1
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 1.3%
- Company-owned
- 9
- Corporate units in the system
- % franchised
- 89%
- vs corporate-owned
- Net growth (3-yr)
- -4.2%
- Net unit change over 3 years
- 3-yr CAGR
- +1.5%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 1
- Not renewed
- 0
- Transferred
- 9
- Signed, not yet open
- 5
- 0.06 per open outlet · Item 20 Table 5
- Projected new
- 4
- Franchisor's next-year forecast
- Transfer rate
- 11.5%
- Owners selling to other franchisees
- Termination rate
- 1.3%
- Franchisor-initiated terminations
- Ceased ops
- 2.6%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 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.
Where the owners are · Item 20 owner list
73 current owners across 13 states.
- CA 20
- MA 12
- SC 8
- LA 7
- NC 7
- TX 7
- GA 5
- RI 2
- CO 1
- FL 1
- NJ 1
- NV 1
- +1 more states
Counts only, from the list the franchisor prints in Item 20; 29 entries carry no state. Names and phone numbers are for your own due diligence and are not shown here.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 13
- Loan volume
- $6.4M
- Median loan
- $496K
- average
- Charge-off rate
- Limited · 13 loans
- Limited SBA coverage: 13 loans, rate hidden until 10 have resolved and loans reach 2% of franchised units
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Limited · 13 loans
- 5-yr charge-off
- Limited · 13 loans
- Loans approved 2021+
- Active lenders
- 6
- Defaults
- 0
Vintage analysis
SpeeDee Oil Change & Auto Service charge-off rate by loan vintage
Top lenders financing SpeeDee Oil Change & Auto Service franchisees
Showing 3 of 6 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 SpeeDee Oil Change & Auto Service from SBA 7(a) FOIA data.
Top SBA lenders
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 6 | $3.3M | 0.0% |
| 2 | Citizens Bank, National Association | 2 | $400K | 0.0% |
| 3 | United Business Bank | 2 | $1.3M | N/A |
| 4 | CalPrivate Bank | 1 | $810K | N/A |
| 5 | Plumas Bank | 1 | $418K | N/A |
| 6 | Citizens Bank | 1 | $242K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| CACalifornia | 5 | 0 | -- |
| COColorado | 2 | 0 | 0.0% |
| MAMassachusetts | 2 | 0 | 0.0% |
| TXTexas | 2 | 0 | 0.0% |
| NCNorth Carolina | 1 | 0 | -- |
| NVNevada | 1 | 0 | 0.0% |
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
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.
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · KPMG LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
ⓘ These are the parent company's consolidated financials (the parent guarantees the franchisor), not this brand's standalone results — the figure reflects the whole corporate group, not this brand alone.
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: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 64 / 100 verdict
- 01MEDParent-level financials; brand equity not disclosed
- 02MINORParent net loss -$63,712,356 (not brand-level)
- 03MINORPositive net worth $128,054,304
- 04MEDNo litigation, no going-concern, audited, Item 19 disclosed
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 11.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2026 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 15 years |
|---|---|
| Renewal term | 15 years |
| Allowed renewalsℹ | 1 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 0.5 mi |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 3 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 3 |
| Mandatory arbitration | Yes |
| Arbitration location | Denver, Colorado |
| Jury trial waiver | Yes |
| Governing law | Colorado |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 34 hrs
- On-the-job training
- 40 hrs
- Training location
- Franchisor's location and on-site at restaurant
- Ongoing training
- Required
- Time to open
- 9 mo
- From signing to launch
- Site selection
- joint
- Franchisor financing
- Offered
- Item 10
- POS system
- Sage Microsystems
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Sage Microsystems
Item 20 · call current owners
Franchisee Contacts
102 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 SpeeDee Oil Change & Auto Service franchise?
The total investment to open a SpeeDee Oil Change & Auto Service franchise ranges from $708K – $2.3M, with an initial franchise fee of $40K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do SpeeDee Oil Change & Auto Service franchise owners earn?
According to Item 19 of the SpeeDee Oil Change & Auto Service FDD, the average gross sales per unit is $1.2M. Important context: Reported as net sales, not gross sales. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns SpeeDee Oil Change & Auto Service?
SpeeDee Oil Change & Auto Service is franchised by SpeeDee Worldwide, LLC. Its parent company is MOP GM Holding, LLC. The ultimate parent named in the FDD is MidOcean Partners V, L.P.. Source: FDD Item 1, 2026 filing.
What is Item 19 in the SpeeDee Oil Change & Auto Service 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 SpeeDee Oil Change & Auto Service FDD and qualifies whose outlets they describe.
What is SpeeDee Oil Change & Auto Service's franchise failure rate?
SBA 7(a) loan charge-off data is not available for SpeeDee Oil Change & Auto Service (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many SpeeDee Oil Change & Auto Service franchise locations are there?
As of their most recent FDD filing, SpeeDee Oil Change & Auto Service has 78 total units in the United States, including 69 franchised units and 9 company-owned units. 4 new units were opened in the latest reporting year.
Is SpeeDee Oil Change & Auto Service a good franchise to buy?
FranchiseVerdict rates SpeeDee Oil Change & Auto Service as a B-grade franchise with a verdict score of 64 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.