Victory Lane Quick Oil Change Franchise Cost, Revenue & Review 2026
- Investment
- $235K – $786K
- Disclosed sales
- $801K
- gross sales, not profit
- SBA charge-off
- 25.0%
- on 32 loans
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]. Per the 2026 FDD, average unit revenue was $801K[2]. 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 →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
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
- $235K – $786K
- 33rd pct Automotive
- Avg gross sales
- $801K
- 7th pct Automotive
- Royalty
- 6.0%
- 15th 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 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 $235K – $786K including a $50K franchise fee, 6.0% ongoing royalty.
- RETURNSAverage unit revenue of $801K/year (median $816K).
- 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).
- GROWTHNegative: net -2 franchised outlets in the latest year (2 opened, 4 closed); 18 signed but not yet open (Item 20).
- 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)
- FDD Item 1, page 9 of the 2026 FDD
- 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 39% above the typical automotive franchise.
Source: FDD 2026 · Items 5–7
Full Item 7 breakdown12 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $50K | $50K | |
| Store Opening Assistance and Construction Management Fee | $25K | $50K | |
| Leasehold Improvements and Lease Payments (assumes land/building leased and not purchased) | $50K | $275K | |
| Architectural and Engineering Fees | $0 | $100K | |
| Initial Training - Travel, Lodging and Expenses | $3K | $10K | |
| Opening Team Expenses | $2K | $15K | |
| Furniture, Fixtures and Equipment | $0 | $75K | |
| Computer System | $10K | $20K | |
| Initial Inventory and Supplies | $15K | $35K | |
| Grand Opening Event & Marketing | $15K | $26K | |
| Site Selection Fee | $0 | $5K | |
| Additional Funds - 3 Months | $67K | $125K | |
| Total initial investment | $235K | $786K |
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%
- Set by a formula · 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?
Average unit sales run 22% below the automotive norm.
Source: FDD 2026 · 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 VICTORY LANE QUICK 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
$606K
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
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 VICTORY LANE QUICK 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: 2026 FDD
Financial Performance
- Avg gross sales
- $801K
- Per unit, per year
- 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.
- Item 19 type
- historical actual
- Sample size
- 8 outlets
- vs category median 70 · small
- Range (low → high)
- $591K→$1.5MCited, not corroborated — printed on page 61 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- 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.
Unit economics
Average unit generates $801K/year in gross sales. Revenue-to-investment ratio: 1.6x.
Fee burden
Total ongoing fee load of 8.0% (near the Automotive median).
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
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 medians
How Victory Lane Quick 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 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 35
- Opened
- 2
- Last reporting year
- Closed
- 4
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 1
- Term expired, not renewed (per Item 20)
- Turnover rate
- 11.4%
- 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
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 1
- Transferred
- 0
- Reacquired
- 3
- Franchisor bought back
- Signed, not yet open
- 18
- 0.51 per open outlet · Item 20 Table 5
- Projected new
- 4
- 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
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
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)
Where the owners are · Item 20 owner list
2 current owners across 2 states.
- GA 1
- KY 1
Counts only, from the list the franchisor prints in Item 20; 19 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
- 32
- Loan volume
- $18.2M
- Median loan
- $469K
- 50th percentile
- Charge-off rate
- 25.0%
- on 32 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)
- 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Victory Lane Quick Oil Change from SBA 7(a) FOIA data.
- Principal loss rate
- 5.3%
- Avg SBA guarantee
- 71%
- Avg interest rate
- 6.42%
- Avg chargeoff amount
- $219K
- Lender concentration
- 32.1%
- Job velocity
- 2.6 per $100K
- NAICS benchmark
- 9.6%
- NAICS 811191
- Jobs supported
- 440
Top SBA lendersTop lender holds 32% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 9 | $2.6M | 33.3% |
| 2 | Old National Bank | 6 | $2.8M | 0.0% |
| 3 | Celtic Bank Corporation | 2 | $2.9M | 0.0% |
| 4 | Chelsea State Bank | 2 | $456K | 0.0% |
| 5 | Milestone Bank | 2 | $2.8M | N/A |
| 6 | State Bank | 1 | $50K | 100.0% |
| 7 | First Bank | 1 | $921K | 0.0% |
| 8 | Business Loan Center, LLC | 1 | $750K | 0.0% |
| 9 | Community Bank & Trust-West Georgia | 1 | $943K | N/A |
| 10 | First Bank of the Lake | 1 | $1.0M | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| MIMichigan | 14 | 3 | 21.4% |
| KYKentucky | 4 | 0 | 0.0% |
| NCNorth Carolina | 2 | 0 | 0.0% |
| TXTexas | 2 | 0 | 0.0% |
| COColorado | 1 | 0 | -- |
| GAGeorgia | 1 | 0 | -- |
| INIndiana | 1 | 1 | 100.0% |
| MEMaine | 1 | 0 | 0.0% |
| MNMinnesota | 1 | 0 | -- |
| VAVirginia | 1 | 0 | -- |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
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)
Subject: the franchisor is a named party (plaintiff).
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).
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 territory |
| 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
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?
According to Item 19 of the VICTORY LANE QUICK OIL CHANGE FDD, the average gross sales per unit is $801K. The median is $816K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns VICTORY LANE QUICK OIL CHANGE?
VICTORY LANE QUICK OIL CHANGE is franchised by Victory Lane Quick Oil Change, Inc.. The ultimate parent named in the FDD is Justin Cialella (individual owner). Source: FDD Item 1, 2026 filing.
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). 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.