Take 5 Oil Change
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). Estimated payback in 4.1 years.
- Rated STRONG with a risk score of 47/100. SBA loan default rate of 0.0% across 37 loans (below the industry average).
- Auditor disclosed a going-concern note — flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one Take 5 Oil Change unit return on the cash you put in?
Unlevered ROIC · per unit
12%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Take 5 Oil Change units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$1.7M
on $8.3M purchase
Total debt
$6.6M
SBA $4.2M + senior + seller note
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.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
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 phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
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.
Score breakdown · what drove the 47 / 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
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
99 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Take 5 Oil Change · FDD (2025) PDF