Take 5 Oil ChangeFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Take 5 Oil Change franchise requires a total initial investment of $912K – $2.1M, including a $45K franchise fee and an ongoing 7.0% royalty[2]. Per the 2025 FDD, average unit revenue was $1.4M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 19 loans[1]. Verdict grade: A. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $912K – $2.1M
- 42nd pct Automotive
- Avg gross sales
- $1.4M
- 16th pct Automotive
- Royalty
- 7.0%
- 18th pct Automotive
- Units
- 1,142
- 39th pct Automotive
- SBA default
- 0.0%
- 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
Only 0.0% of 19 SBA loans charged off, well below the 16% franchise average.
The system grew 33% year-over-year. Fast growth means demand, but can strain support.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
11 legal cases disclosed in the FDD. Read Item 3 before signing.
Bottom line
- Total investment $912K – $2.1M including a $45K franchise fee, 7.0% ongoing royalty.
- Average unit revenue of $1.4M/year (median $1.3M), with an estimated 24% cash-on-cash return (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 44/100. SBA loan charge-off rate of 0.0% across 19 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- Auditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Take 5 Franchisor SPV LLC
- Parent company
- Driven Systems LLC
- Ultimate parent
- Roark Capital Management, LLC
- Incorporated in
- DE
- HQ
- 440 S. Church Street, Suite 700, Charlotte, North Carolina 28202
- Auditor
- PricewaterhouseCoopers LLP
- Audited financials
- Franchisor revenue
- $211.9M
- vs $245.1M prior year
- ⚠ Going-concern note
- Disclosed in FDD 2025
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Affiliated brands
- Spire Supply
- Driven Brands Shared Services
- Driven Product Sourcing
Other brands the franchisor or its parent operates (Item 1).
Overview
About
Take 5 Oil Change franchisees operate quick-lube service centers offering oil changes, fluid top-offs, and basic maintenance services. Day-to-day operations involve managing customer appointments, overseeing technicians, maintaining inventory, and handling point-of-sale transactions in a high-traffic, time-sensitive service environment.
- CEO
- Daniel Rivera
- Headquarters
- NC
- Founded
- 1972
- FDD year
- 2025
- States available
- 36
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $45K | $45K |
| Working capital (3–6 mo) | $52K | $52K |
| Equipment, build-out, other | $815K | $2.0M |
| Total initial investment | $912K | $2.1M |
Source: Take 5 Oil Change 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$180K
13.0% margin
Unlevered ROIC
12%
EBITDA / total invested capital
Payback
8.5 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $912K – $2.1M
- Near category avg vs category
- Liquid capital req'd
- $52K – $52K
- Better than avg vs category
- Franchise fee
- $45K
- Better than avg vs category
- Royalty
- 7.0%
- percentage_of_gross · typical 6–8%
- Ad fund
- 5.0%
- typical 3–5%
- Total fee load
- 12.0%
- vs 9–13% typical
- Payback period
- 4.1 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 7.0% of gross sales |
| Marketing / ad fund | 5.0% of gross sales |
| Transfer fee | $18K |
| Renewal fee | $18K |
| Total fee load | 12.0% of rev |
Financial Performance
- Avg gross sales
- $1.4M
- Per unit, per year
- Median gross sales
- $1.3M
- Avg p&l bottom line
- $362K
- Reported as P&L Bottom Line in FDD Item 19
- Cash-on-cash
- 24.4%
- Based on P&L Bottom Line / investment midpoint
- Item 19 type
- Sales to Cost Analysis
- Sample size
- 298 units
- vs category median 70 · large
- Range (low → high)
- $190K→$3.5M
- Cohort dispersion (min → max)
- Transparency tier
- none
- Categorical assessment of disclosure depth
- Transparency
- 10 / 5
- vs category median 4 / 5 · above
Compared against 221 Automotive brands
Revenue is only 0.9x the investment. This means each unit may take 5+ years to recoup the initial outlay at typical margins.
vs Automotive averages
How Take 5 Oil Change Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 1,142
- Opened
- 110
- Last reporting year
- Closed
- 1
- Turnover rate
- 0.1%
- Company-owned
- 710
- Corporate units in the system
- % franchised
- 38%
- vs corporate-owned
- Net growth (yr3)
- +32.9%
- Net unit change last year
- 3-yr CAGR
- +90.3%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 7
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 9 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
- 19
- Loan volume
- $22.1M
- Median loan
- $1.1M
- 50th percentile
- Charge-off rate
- 0.0%
- 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)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 5
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Take 5 Oil Change's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 8 states
- Startup risk premium and job creation velocity
- 6-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
With a 0.0% charge-off rate across 19 loans, banks have historically viewed this brand favorably for lending.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Rapidly expanding franchise system with substantial pending litigation, going concern status, and high capital requirements creates material operational and financial risk despite profitable unit-level economics.
Litigation (Item 3)
3 case reference(s): 2 pending, 0 settled.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · PricewaterhouseCoopers LLP⚠ Going-concern note flagged
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
Score breakdown · what drove the 44 / 100 rating
- 01HIGHSignificant litigation involving parent company covering securities, fiduciary duties, no-poaching agreements, and data privacy—suggests governance and compliance issues that could affect franchise operations
- 02HIGHGoing Concern status indicates the franchisor's financial stability is questioned; this threatens support infrastructure, marketing, and system viability
- 03MINORRapid unit expansion (32.9% YoY growth) without corresponding profitability transparency raises concerns about unit quality, franchisee selection, and whether growth is sustainable or masking underlying problems
- 04MINORHigh investment range ($912K–$2M) combined with 7% royalty creates significant break-even pressure; average net income of $362K means some franchisees likely operate below system average
- 05HIGHLarge litigation portfolio suggests potential hidden liabilities that could result in franchisor assessments, operational changes, or system instability affecting franchisee businesses
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 | 15 years |
| Allowed renewalsℹ | 1 |
| Territory type | Radius |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 3 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | North Carolina |
| Litigation count | 11 |
View Item 3 litigation summary
3 case reference(s): 2 pending, 0 settled.
Items 10, 11
Training & Operations
- Classroom training
- 55 hrs
- On-the-job training
- 100 hrs
- Training location
- On-site and corporate
- POS system
- Brand Technology
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Brand Technology
Item 20 · call current owners
Franchisee Contacts
99 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Take 5 Oil Change · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Take 5 Oil Change franchise?
The total investment to open a Take 5 Oil Change franchise ranges from $912K – $2.1M, with an initial franchise fee of $45K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Take 5 Oil Change franchise owners earn?
According to Item 19 of the Take 5 Oil Change FDD, the average gross sales per unit is $1.4M. The median is $1.3M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Take 5 Oil Change's franchise failure rate?
Based on SBA 7(a) loan data, Take 5 Oil Change has a charge-off rate of 0.0% across 19 loans, meaning 0.0% 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 Take 5 Oil Change franchise locations are there?
As of their most recent FDD filing, Take 5 Oil Change has 1,142 total units in the United States, including 227 franchised units and 710 company-owned units. 110 new units were opened in the latest reporting year.
Is Take 5 Oil Change a good franchise to buy?
FranchiseVerdict rates Take 5 Oil Change as a A-grade franchise with a risk score of 44 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.