Victory Lane Quick Oil ChangeFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A VICTORY LANE QUICK OIL CHANGE franchise requires a total initial investment of $240K – $765K, including a $50K franchise fee. Per the 2024 FDD, average unit revenue was $645K[2]. SBA 7(a) loans show a 25.0% charge-off rate across 32 loans[1]. Verdict grade: C. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $240K – $765K
- 27th pct Automotive
- Avg gross sales
- $645K
- 7th pct Automotive
- Royalty
- N/A
- Units
- 34
- 15th pct Automotive
- SBA default
- 25.0%
- system-wide median varies by category
Quick verdict · Automotive · color = vs category peers
Green = >15% above Automotive avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
25.0% of SBA loans charged off across 32 loans, above the 16% franchise average.
Franchising since 1986. Systems this mature have refined operations and brand recognition.
The system contracted 14% year-over-year. Investigate why units are closing.
Bottom line
- Total investment $240K – $765K including a $50K franchise fee.
- Average unit revenue of $645K/year (median $588K).
- Verdict C (Average) with a risk score of 68/100. 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, 2010–2024).
- System contracting at -25.0% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- VICTORY LANE QUICK OIL CHANGE, INC.
- Ultimate parent
- Justin Cialella (individual owner)
- CEO title
- President and Chief Operating Officer
- Justin A. Cialella
- CEO experience
- 15 yrs
- Years in role or industry
- Incorporated in
- MI
- HQ
- 45550 Helm St., Plymouth, MI 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
Victory Lane franchisees operate quick-service oil change facilities, handling routine vehicle maintenance including oil changes, filter replacements, fluid top-offs, and basic inspections. Day-to-day operations involve customer service, staff management, inventory control, and compliance with franchisor systems for service delivery and pricing.
- CEO
- Justin A. Cialella
- Headquarters
- MI
- Founded
- 1980
- FDD year
- 2024
- States available
- 5
FDD Item 7 · 2024 filing · 25 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.
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
$110K
17.0% margin
Unlevered ROIC
18%
EBITDA / total invested capital
Payback
5.6 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $240K – $765K
- Better than avg vs category
- Liquid capital req'd
- $82K – $150K
- Near category avg vs category
- Franchise fee
- $15K – $50K
- Better than avg vs category
- Royalty
- the greater of 6% of weekly Gross Sales or $500 per week
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | greater of 6% of weekly Gross Sales or $500 per week |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $250 |
| Transfer fee | $12K |
| Renewal fee | $12K |
| Inventory (initial) | $15K – $35K |
| Total fee load | 8.0% of rev |
Financial Performance
- Avg gross sales
- $645K
- Per unit, per year
- Median gross sales
- $588K
- Item 19 type
- gross_sales
- Sample size
- 34 units
- vs category median 70 · small
- Range (low → high)
- $248K→$1.5M
- Cohort dispersion (min → max)
- Quartile band
- $205K→$1.5M
- Bottom 25% → top 25%
- Transparency tier
- full
- Categorical assessment of disclosure depth
- Transparency
- 4 / 5
- vs category median 4 / 5 · typical
Compared against 221 Automotive brands
vs Automotive averages
How Victory Lane Quick Oil Change Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 34
- Opened
- 0
- Last reporting year
- Closed
- 1
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 1
- Term expired, not renewed (per Item 20)
- Turnover rate
- 2.9%
- Company-owned
- 22
- Corporate units in the system
- % franchised
- 35%
- vs corporate-owned
- Multi-unit owners
- 1.0%
- Net growth (yr3)
- -14.3%
- Net unit change last year
- 3-yr CAGR
- -25.0%
- Compounded over last 3 years
3-year detail · Item 20
- Closed (3yr)
- 1
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 1
- 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
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 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
- 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)
- 81.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 13
- Defaults
- 6
Vintage analysis
Victory Lane Quick Oil Change charge-off rate by loan vintage
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.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Declining unit base, undisclosed profitability metrics, aggressive royalty floor, and franchisor litigation create meaningful investment risk despite protected territory and acceptable average gross revenue.
Litigation (Item 3)
Two concluded trademark/trade dress infringement cases: (1) Victory Lane Quick Oil Change, Inc. v. Richard F. Miller, et al., Case No. 1:16-cv-02252 (N.D. Ohio) - trademark infringement, false designation of origin, dilution, deceptive trade practices, and related claims. Sought damages over $150,000 and statutory damages of $2,000,000. Settled June 13, 2017 for confidential amount with Stipulated Permanent Injunction entered July 6, 2017. Dismissed with prejudice July 13, 2017. (2) Victory Lane Quick Oil Change, Inc. v. Brad A. Weaver and V.L. Mountain LLC, Case No. 2:14-cv-13570-BAF-DRG (E.D. Michigan) - breach of contract, Lanham Act violation, trade dress infringement, and violation of Michigan Uniform Arbitration Act arising from franchisee's non-compete and non-disclosure violations. Sought damages over $75,000. Settled June 16, 2015 with Weaver paying $185,000. Dismissed with prejudice.
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: No
Score breakdown · what drove the 68 / 100 rating
- 01MINORUnit count declining 14.3% YoY (34 units) indicates system contraction and franchisee struggles
- 02MEDNet income not disclosed in Item 19 prevents ROI validation; only gross revenue ($645k avg) provided without profitability data
- 03MINORRoyalty structure with $500/week minimum ($26k annually) is aggressive relative to net margins in quick-lube industry
- 04HIGHFranchisor litigation history (trademark/trade dress and breach of contract) signals potential operational or relationship issues
- 05MINORInvestment range of $240k-$764.5k is wide and high-risk for a declining brand with unproven unit economics
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 15 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 4 |
| Territory type | Radius or Population |
| 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 | 30 days |
| Termination groundsℹ | 1 |
| Curable defaultsℹ | 4 |
| Mandatory arbitration | Yes |
| Arbitration location | Plymouth, Michigan |
| Jury trial waiver | Yes |
| Litigation count | 2 |
View Item 3 litigation summary
Two concluded trademark/trade dress infringement cases: (1) Victory Lane Quick Oil Change, Inc. v. Richard F. Miller, et al., Case No. 1:16-cv-02252 (N.D. Ohio) - trademark infringement, false designation of origin, dilution, deceptive trade practices, and related claims. Sought damages over $150,000 and statutory damages of $2,000,000. Settled June 13, 2017 for confidential amount with Stipulated Permanent Injunction entered July 6, 2017. Dismissed with prejudice July 13, 2017. (2) Victory Lane Quick Oil Change, Inc. v. Brad A. Weaver and V.L. Mountain LLC, Case No. 2:14-cv-13570-BAF-DRG (E.D. Michigan) - breach of contract, Lanham Act violation, trade dress infringement, and violation of Michigan Uniform Arbitration Act arising from franchisee's non-compete and non-disclosure violations. Sought damages over $75,000. Settled June 16, 2015 with Weaver paying $185,000. Dismissed with prejudice.
Items 10, 11
Training & Operations
- Classroom training
- 21 hrs
- On-the-job training
- 144 hrs
- Training location
- On-site and corporate
- Time to open
- 24 mo
- From signing to launch
- Site selection
- franchisee
- POS system
- LubeSoft
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: LubeSoft
Item 20 · call current owners
Franchisee Contacts
25 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
VICTORY LANE QUICK OIL CHANGE · FDD (2024) 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 $240K – $765K, 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 $645K. The median is $588K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
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 34 total units in the United States, including 12 franchised units and 22 company-owned units.
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 risk score of 68 out of 100, 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.
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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.