Victory Lane Quick Oil Change Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Victory Lane Quick Oil Change is an automotive franchise providing fast oil changes and routine vehicle maintenance. Franchisees run the service centers, managing technicians, drive-up service, and customer flow.
FranchiseVerdict summary · 2026
A VICTORY LANE QUICK OIL CHANGE franchise requires a total initial investment of $235K – $786K, including a $50K franchise fee and an ongoing 6.0% royalty[2]. The 2026 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 25.0% charge-off rate across 32 loans[1]. FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2026 FDD issuance
Overview
- Investment
- $235K – $786K
- 33rd pct Automotive
- Avg gross sales
- N/A
- Royalty
- 6.0%
- 13th pct Automotive
- Units
- 35
- 18th pct Automotive
- SBA charge-off
- 25.0%
- % 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 $235K – $786K including a $50K franchise fee, 6.0% ongoing royalty.
- RETURNSItem 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
- RISKVerdict C (Average), verdict score 40/100 (higher is better). SBA loan charge-off rate of 25.0% across 32 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- DECLINESystem contracting at -28.6% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Victory Lane Quick Oil Change, Inc.
- Ultimate parent
- Justin Cialella (individual owner)
- Predecessor
- Pit Stop Quick Oil Change, Inc.
- Prior franchisor entity
- CEO title
- President and Chief Executive Officer
- Justin A. Cialella
- CEO experience
- 15 yrs
- Years in role or industry
- Incorporated in
- Michigan
- HQ
- 45550 Helm St., Plymouth, Michigan 48170
- Auditor
- DOYLE & ASSOCIATES, PLLC
- Audited financials
- Franchisor revenue
- $1.6M
- vs $1.8M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Affiliated brands
- is Victory Lane Performance Products
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Justin A. Cialella
- Headquarters
- Michigan
- Founded
- 1980
- FDD year
- 2026
- States available
- 10
Can you afford it, and what does the money buy?
Entry cost runs 45% below the typical automotive franchise.
Source: FDD 2026 · Items 5–7
Full Item 7 breakdown25 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee (Single Franchise)not refundable | $50K | $50K | |
| Store Opening Assistance and Construction Management Fee (Single Franchise)not refundable | $15K | $30K | |
| Leasehold Improvements and Lease Payments (Single Franchise)not refundable | $50K | $250K | |
| Architectural and Engineering Fees (Single Franchise)not refundable | $0 | $100K | |
| Initial Training - Travel, Lodging and Expenses (Single Franchise)not refundable | $3K | $10K | |
| Opening Team Expenses (Single Franchise)not refundable | $2K | $15K | |
| Furniture, Fixtures and Equipment (Single Franchise)not refundable | $0 | $75K | |
| Computer System (Single Franchise)not refundable | $10K | $20K | |
| Initial Inventory and Supplies (Single Franchise)not refundable | $15K | $35K | |
| Grand Opening Event & Marketing (Single Franchise)not refundable | $15K | $25K | |
| Site Selection Fee (Single Franchise)not refundable | $0 | $5K | |
| Additional Funds - 3 Months (Single Franchise)not refundable | $82K | $150K | |
| Initial Franchise Fee (Conversion)not refundable | $25K | $25K | |
| Store Opening Assistance and Construction Management Fee (Conversion)not refundable | $0 | $10K | |
| Leasehold Improvements and Lease Payments (Conversion)not refundable | $30K | $50K | |
| Initial Training - Travel, Lodging and Expenses (Conversion)not refundable | $3K | $10K | |
| Opening Team Expenses (Conversion)not refundable | $2K | $15K | |
| Furniture, Fixtures and Equipment (Conversion)not refundable | $0 | $5K | |
| Computer System (Conversion)not refundable | $0 | $20K | |
| Initial Inventory and Supplies (Conversion)not refundable | $1K | $35K | |
| Total initial investment | $860K | $1.6M |
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
- $235K – $786K
- Top 40% of category vs category
- Liquid capital req'd
- $67K – $125K
- Middle of category vs category
- Franchise fee
- $50K – $50K
- Middle of category vs category
- Royalty
- 6.0%
- Percentage of gross sales · typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $250 |
| Transfer fee | $12K |
| Renewal fee | $15K |
| Inventory (initial) | $15K – $35K |
| Total fee load | 8.0% of rev |
What do units actually make?
Source: FDD 2026 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
VICTORY LANE QUICK OIL CHANGE did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one VICTORY LANE QUICK 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.
21%
Below the 30–60% attractive-franchise band
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
- Median gross sales
- $816K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
No system-wide average is published for this brand. The median and range below are what Item 19 supports; we show an average only where it reconciles against them.
- Item 19 type
- historical actual
- Sample size
- 8 outlets
- vs category median 70 · small
- Range (low → high)
- $591K→$1.5M
- Cohort dispersion (min → max)
- Transparency tier
- full
- Categorical assessment of disclosure depth
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 4 / 10
- vs category median 4 / 10 · typical
Compared against 167 Automotive brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 8.0% (near the Automotive average).
Disclosure
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
Operator retention
System contracting at -28.6% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Multi-unit rate
Only 1% of franchisees own multiple units. Could indicate challenging economics or a young system where operators haven't had time to expand.
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 Victory Lane Quick Oil Change Compares
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 35
- Opened
- 2
- Last reporting year
- Closed
- 0
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 1
- Term expired, not renewed (per Item 20)
- Turnover rate
- 10.0%
- Company-owned
- 25
- Corporate units in the system
- % franchised
- 29%
- vs corporate-owned
- Multi-unit owners
- 1.0%
- Net growth (3-yr)
- +8.3%
- Net unit change over 3 years
- 3-yr CAGR
- -28.6%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 2
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 1
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 3
- Franchisor bought back
- Projected new
- 5
- Franchisor's next-year forecast
- Continuity rate
- 85.7%
- Units that stayed open
- Termination rate
- 2.9%
- Franchisor-initiated terminations
- Ceased ops
- 2.9%
- Units that stopped operating
Last reporting year only, multi-year history not disclosed in this brand's FDD.
Item 12 · 10 states reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
10
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 32
- Loan volume
- $18.2M
- Median loan
- $469K
- 50th percentile
- Charge-off rate
- 25.0%
- 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)
- 75.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 13
- Defaults
- 6
- Typical loan rate
- 6.4%
- avg rate to borrowers
- Franchised industry avg
- 14.5%
- brand above franchise avg ↑
- Jobs supported
- 440
- 2.6 per loan
- Lender concentration
- 32%
- top lender's share
Borrower mix: 58% went to startups / new businesses, 42% 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.
Vintage analysis
Victory Lane Quick Oil Change charge-off rate by loan vintage
Top lenders financing Victory Lane Quick Oil Change franchisees
Showing 3 of 13 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 Victory Lane Quick Oil Change's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 10 states
- Startup risk premium and job creation velocity
- 11-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
A 25.0% charge-off rate means roughly 1 in 4 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 25.0% — 56% above the 16.0% national norm, i.e. higher 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
Established oil-change franchisor (34 units, since 1986) with negative net worth -$397,329 and a contracting system (net growth -25.0%, only 12 franchised vs 22 company-owned). Two concluded trademark suits, no pending litigation. Concerns are negative equity plus system contraction.
Litigation (Item 3)
Pending AAA arbitration: Victory Lane v. Robo, LLC (breach of contract re digital marketing/website services, seeking ~$124,474.65). Concluded: Victory Lane v. Miller et al. (N.D. Ohio, trademark infringement/trade dress, settled 2017 with confidential payment and permanent injunction).
Largest disclosed settlement: $2
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · DOYLE & ASSOCIATES, PLLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
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: Yes
Score breakdown · what drove the 40 / 100 verdict
- 01MINORNegative net worth -$397,329
- 02MINORNet growth -25.0%
- 03MINOROnly 12 franchised units of 34
- 04MINOR2 concluded suits, none pending
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.0% 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 | 5 years |
| Allowed renewalsℹ | 4 |
| Territory type | exclusive |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory radius | 5 mi |
| Territory population | 80,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 60 days |
| Transfer requires consent | Yes |
| Termination notice | 60 days |
| Termination groundsℹ | 1 |
| Curable defaultsℹ | 3 |
| Mandatory arbitration | Yes |
| Arbitration location | Plymouth, Michigan (city closest to franchisor's principal place of business); litigation in Wayne County, Michigan |
| Jury trial waiver | Yes |
| Governing law | Michigan |
| Litigation count | 2 |
View Item 3 litigation summary
Pending AAA arbitration: Victory Lane v. Robo, LLC (breach of contract re digital marketing/website services, seeking ~$124,474.65). Concluded: Victory Lane v. Miller et al. (N.D. Ohio, trademark infringement/trade dress, settled 2017 with confidential payment and permanent injunction).
Items 10, 11
Training & Operations
- Classroom training
- 21 hrs
- On-the-job training
- 144 hrs
- Training location
- Plymouth, Michigan (corporate office), franchisee's store, or other designated location (online/in-person)
- Ongoing training
- Required
- Time to open
- 24 mo
- From signing to launch
- Site selection
- franchisee (with franchisor approval)
- Franchisor financing
- Not offered
- Item 10
- POS system
- LubeSoft
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: LubeSoft
Item 20 · call current owners
Franchisee Contacts
21 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
VICTORY LANE QUICK OIL CHANGE · FDD (2026) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a VICTORY LANE QUICK OIL CHANGE franchise?
The total investment to open a VICTORY LANE QUICK OIL CHANGE franchise ranges from $235K – $786K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do VICTORY LANE QUICK OIL CHANGE franchise owners earn?
VICTORY LANE QUICK OIL CHANGE does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Item 19 in the VICTORY LANE QUICK 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 VICTORY LANE QUICK OIL CHANGE FDD and qualifies whose outlets they describe.
What is VICTORY LANE QUICK OIL CHANGE's franchise failure rate?
Based on SBA 7(a) loan data, VICTORY LANE QUICK OIL CHANGE has a charge-off rate of 25.0% across 32 loans, meaning 25.0% 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 VICTORY LANE QUICK OIL CHANGE franchise locations are there?
As of their most recent FDD filing, VICTORY LANE QUICK OIL CHANGE has 35 total units in the United States, including 10 franchised units and 25 company-owned units. 2 new units were opened in the latest reporting year.
Is VICTORY LANE QUICK OIL CHANGE a good franchise to buy?
FranchiseVerdict rates VICTORY LANE QUICK OIL CHANGE as a C-grade franchise with a verdict score of 40 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 VICTORY LANE QUICK 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.