Take 5 Oil Change Franchise Cost, Revenue & Review 2026
- Investment
- $912K – $2.1M
- Disclosed sales
- $1.2M
- gross sales, not profit
- SBA charge-off
- 0.0%
- on 19 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Take 5 Oil Change is a drive-through quick-lube franchise offering fast oil changes and fluid services while customers stay in their cars. Franchisees run high-throughput service bays managing technicians, appointments, and inventory.
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 $1.2M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 19 loans[1]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: medium - issued 12 to 24 months ago; a newer filing is likely on file
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 scored8 of 8 headline figures on this page cite a page of the filing.
Overview
- Investment
- $912K – $2.1M
- 55th pct Automotive
- Avg gross sales
- $1.2M
- 14th pct Automotive
- Royalty
- 7.0%
- 31st pct Automotive
- Units
- 1,142
- 52nd pct Automotive
- SBA charge-off
- 0.0%
- % of SBA 7(a) loans not repaid · median varies by category
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 $912K – $2.1M including a $45K franchise fee, 7.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.2M/year (median $1.1M), with an estimated 13% cash-on-cash return (based on 4-Wall EBITDA).
- RISKVerdict A (Strongest tier), verdict score 94/100 (higher is better). SBA loan charge-off rate of 0.0% across 19 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +107 franchised outlets in the latest year (110 opened, 3 closed) (Item 20).
- LEGAL11 litigation matters disclosed in Item 3, higher than typical. Review the summary for patterns (franchisor-initiated vs. franchisee-initiated).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Take 5 Franchisor SPV LLC
- Parent company
- Driven Systems LLC
- FDD Item 1, page 9 of the 2025 FDD
- Ultimate parent
- Driven Brands Holdings Inc.
- FDD Item 1, page 10 of the 2025 FDD
- Predecessor
- Take 5 Franchising LLC
- Prior franchisor entity
- CEO title
- Manager and Chief Executive Officer of Take 5
- Daniel Rivera
- Incorporated in
- Delaware
- 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
Affiliated brands
- Spire Supply
- Driven Brands Shared Services
- Driven Product Sourcing
Other brands the franchisor or its parent operates (Item 1).
Same owner · FDD Item 1, page 10
6 other brands on this site name Driven Brands Holdings Inc. as parent or ultimate parent in their own FDD.
Portfolio: Driven Brands
Grouped by the owner's name as each filing prints it (this page: the 2025 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
- Daniel Rivera
- Headquarters
- NC
- FDD year
- 2025
- States available
- 36
Can you afford it, and what does the money buy?
Entry cost runs 303% above the typical automotive franchise.
Source: FDD 2025 · Items 5–7
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.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $912K – $2.1M
- Middle of category vs category
- Liquid capital req'd
- $52K – $52K
- Middle of category vs category
- Franchise fee
- $45K – $45K
- Top 40% of category vs category
- Royalty
- 7.0%
- typical 6–8%
- Ad fund
- 5.0%
- typical 3–5%
- Total fee load
- 12.0%
- vs 9–13% typical
- Payback period
- 7.4 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 |
| Technology fee | $3K |
| Transfer fee | $18K |
| Renewal fee | $18K |
| Inventory (initial) | $23K – $35K |
| Total fee load | 12.0% of rev |
What do units actually make?
Average unit sales run 20% above the automotive norm.
Source: FDD 2025 · 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 Take 5 Oil Change 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
$1.5M
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
FDD-reported earnings
The FDD reports $362K as 4-Wall EBITDA. This is a disclosed figure, not our estimate — we publish no modelled profit for Take 5 Oil Change.
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 Take 5 Oil Change 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: 2025 FDD
Financial Performance
- Avg gross sales
- $1.2M
- Per unit, per year
- Median gross sales
- $1.1M
- Avg 4-wall ebitda
- $362K
- Reported as 4-Wall EBITDA in FDD Item 19
- Cash-on-cash
- 13.4%
- Based on 4-Wall EBITDA / investment midpoint
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- Sales to Cost Analysis
- Sample size
- 323 outlets
- vs category median 70 · large
- Range (low → high)
- $409K→$3.6MCited, not corroborated — printed on page 90 of the 2025 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Reporting year
- 2024
- Fiscal year the figures cover
- Source filing
- FDD 2025
- Disclosed in the 2025 filing, covering 2024
- Transparency
- 9 / 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 12.0% — above the Automotive median of 8.0%.
Disclosure
Transparency score 9/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System expanding at 90.3% CAGR over 3 years across 1,142 units — operators are staying and new ones are joining.
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 Take 5 Oil Change 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 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 1,142
- Opened
- 110
- Last reporting year
- Closed
- 3
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.3%
- Company-owned
- 710
- Corporate units in the system
- % franchised
- 38%
- vs corporate-owned
- Net growth (3-yr)
- +90.3%
- Net unit change over 3 years
- 3-yr CAGR
- +90.3%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 1
- Not renewed
- 0
- Transferred
- 7
- Reacquired
- 2
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 39 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
426 current owners across 49 states.
- NC 48
- GA 46
- FL 40
- SC 39
- TN 29
- IN 17
- MO 17
- VA 17
- MS 14
- NY 14
- CO 11
- IL 10
- +37 more states
Counts only, from the list the franchisor prints in Item 20; 2 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
- 19
- Loan volume
- $22.1M
- Median loan
- $1.1M
- 50th percentile
- Charge-off rate
- 0.0%
- on 19 loans · 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
- Typical loan rate
- 7.8%
- avg rate to borrowers
- Franchised industry avg
- 14.5%
- brand beats franchise avg ↓
- Jobs supported
- 287
- 1.3 per loan
- Lender concentration
- 53%
- top lender's share
Borrower mix: 84% went to startups / new businesses, 16% to established operators
Franchise vs independent — in automotive oil change and lubrication shops, franchised businesses charge off at 14.5% vs 17.7% for independents — franchising is associated with 18% lower SBA default risk in this category.
Top lenders financing Take 5 Oil Change franchisees
Showing 3 of 5 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 Take 5 Oil Change from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 75%
- Avg interest rate
- 7.79%
- Lender concentration
- 52.6%
- Job velocity
- 1.3 per $100K
- NAICS benchmark
- 9.6%
- NAICS 811191
- Jobs supported
- 287
Top SBA lendersTop lender holds 53% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 10 | $11.8M | 0.0% |
| 2 | Byline Bank | 6 | $6.9M | 0.0% |
| 3 | Synovus Bank | 1 | $1.3M | 0.0% |
| 4 | First Bank of the Lake | 1 | $1.8M | 0.0% |
| 5 | MISSINGMAINBANKID | 1 | $234K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| COColorado | 5 | 0 | 0.0% |
| ILIllinois | 5 | 0 | 0.0% |
| WAWashington | 4 | 0 | -- |
| GAGeorgia | 1 | 0 | 0.0% |
| IDIdaho | 1 | 0 | 0.0% |
| TXTexas | 1 | 0 | -- |
| UTUtah | 1 | 0 | 0.0% |
| WYWyoming | 1 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
With a 0.0% charge-off rate across 19 loans, banks have historically viewed this brand favorably for lending.
What could kill this investment?
SBA loans charge off at 0.0% — 100% below the 16.0% national norm, i.e. lower 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
Large 1,142-unit system with strong parent-level financials (Driven Brands net worth $530.7M), audited, Item 19 disclosed (avg gross $1.38M). Eight suits include securities class actions and shareholder derivative suits against the parent tied to a 2023 stock drop, plus an affiliate franchisee matter - relative to system size these are parent-level and not operational threats to the brand.
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
Multiple pending securities class action and shareholder derivative suits against parent Driven Brands Holdings Inc. and its officers/directors (Genesee, Terwilliger, Gaiman, Kalimon, Bushansky) alleging securities fraud and breach of fiduciary duty tied to a 2023 stock-drop; a Maaco (affiliate) franchisee breach-of-contract suit over ad fund misuse; a pending Take 5 Canada franchisee suit (Ali) alleging disclosure/term violations; and a concluded/settled Take 5 Canada franchisee suit (Chua) over territory rights, settled for CAN$65,000. No litigation against Take 5 (US) itself.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · PricewaterhouseCoopers LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Balance-sheet figures are from the consolidated statements of Driven Systems LLC and Subsidiaries (Take 5's parent and guarantor per Item 21), fiscal year ended December 28, 2024, stated in thousands and scaled to whole USD (assets 561,290 = liabilities 30,599 + members' equity 530,691). This text extract contains only unaudited interim (Q1 FY2025) income statements; the audited annual income statement and independent auditor's report from Exhibit E were not present in the extracted text, so total_revenue/net_income/auditor_name are left null rather than reporting a 3-month stub as annual.
ⓘ 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: No
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: No
- Restricted to system-approved products: No
- Can negotiate own supplier terms: No
Score breakdown · what drove the 94 / 100 verdict
- 01MINOR8 suits incl. securities class actions/derivative vs parent
- 02HIGHLitigation is parent-level (Driven Brands), not brand-operational
- 03MINORStrong parent net worth $530.7M
- 04MEDLarge 1,142-unit system, Item 19 disclosed
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 12.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · 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 | 2 mi |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 3 years |
| Non-compete (miles)ℹ | 5 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | North Carolina |
| Litigation count | 11 |
View Item 3 litigation summary
Multiple pending securities class action and shareholder derivative suits against parent Driven Brands Holdings Inc. and its officers/directors (Genesee, Terwilliger, Gaiman, Kalimon, Bushansky) alleging securities fraud and breach of fiduciary duty tied to a 2023 stock-drop; a Maaco (affiliate) franchisee breach-of-contract suit over ad fund misuse; a pending Take 5 Canada franchisee suit (Ali) alleging disclosure/term violations; and a concluded/settled Take 5 Canada franchisee suit (Chua) over territory rights, settled for CAN$65,000. No litigation against Take 5 (US) itself.
Items 10, 11
Training & Operations
- Classroom training
- 55 hrs
- On-the-job training
- 100 hrs
- Training location
- On-site and corporate
- Ongoing training
- Required
- Site selection
- franchisee
- Franchisor financing
- Not offered
- Item 10
- POS system
- Brand Technology
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Brand Technology
Item 20 · call current owners
Franchisee Contacts
428 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 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 $1.2M. The median is $1.1M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Take 5 Oil Change?
Take 5 Oil Change is franchised by Take 5 Franchisor SPV LLC. Its parent company is Driven Systems LLC. The ultimate parent named in the FDD is Driven Brands Holdings Inc.. Source: FDD Item 1, 2025 filing.
What is Item 19 in the Take 5 Oil Change 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 Take 5 Oil Change FDD and qualifies whose outlets they describe.
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 432 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 verdict score of 94 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.