Take 5 Oil Change Franchise Cost, Revenue & Review 2026
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 →
Data last verified · figures per the 2025 FDD issuance
Overview
- Investment
- $912K – $2.1M
- 55th pct Automotive
- Avg gross sales
- $1.2M
- 11th pct Automotive
- Royalty
- 7.0%
- 27th 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 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 $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 84/100 (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).
- 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
- Ultimate parent
- Driven Brands Holdings Inc.
- 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).
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 58% 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%
- percentage_of_gross · 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 |
| Transfer fee | $18K |
| Renewal fee | $18K |
| Total fee load | 12.0% of rev |
What do units actually make?
Average unit sales run 15% below the automotive norm.
Source: FDD 2025 · Item 19
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
$161K
13.0% margin
Unlevered ROIC
10%
EBITDA / total invested capital
Payback
9.6 yrs
cash-on-cash, unlevered
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
FDD-reported earnings vs. model
The FDD reports $362K as 4-Wall EBITDA. Our model estimates $161K SLEBITDA from the same revenue using category-average cost assumptions. These numbers differ because 4-Wall EBITDA deducts different expense categories than our model.
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. The target band for an attractive franchise is 30–60% ROIC. Below that and a passive index fund likely outperforms; above that and the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses. It's the top line only. Operating costs below are category estimates. Override them to match your real 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?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
10%
Below the 30–60% attractive-franchise band
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%.
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
$1.5M
on $7.4M purchase
Total debt
$5.9M
SBA $3.7M + senior + seller note
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→$3.6M
- Cohort dispersion (min → max)
- Transparency tier
- none
- Categorical assessment of disclosure depth
- 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 average of 9.3%.
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 averages
How Take 5 Oil Change Compares
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
- 1
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.0%
- 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
3-year detail · Item 20
- Opened (3yr)
- 94
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 1
- 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.
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
- 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.
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.
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)
3 case reference(s): 2 pending, 0 settled.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · PricewaterhouseCoopers 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: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
Score breakdown · what drove the 84 / 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 | 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
428 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 $1.2M. The median is $1.1M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
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 84 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?
If you represent Take 5 Oil Change, you can request corrections or provide updated information.
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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.