FranchiseVerdict
VICTORY LANE QUICK OIL CHANGE logo
D73/100FDD 2024

Victory Lane Quick Oil Change — Litigation & Risk

Automotive - Repair & Service · FDD Items 3, 4 & 5

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Moderate — Review

2 cases disclosed in FDD Items 3 and 4.

Source: FDD Items 3–5

FDD Items 3 & 4

Litigation Metrics

Cases disclosed
2
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
73 / 100
FranchiseVerdict composite
Rating
CAUTION
STRONG / MODERATE / CAUTION / AVOID

7(a) FOIA data · FY2020–present

SBA Loan Performance

Aggregated from public SBA 7(a) loan disclosures. Default rate is the share of loans that were charged off or settled for less than the full balance.

Total 7(a) loans
28
Government-backed loans issued
Default rate
19.0%
vs <3% typical · system-wide
5-yr default rate
—
Defaults
4 loans
Loans charged off or defaulted
Total loan volume
$16.6M
Avg loan size
$595K
Participating lenders
12

FDD Items 5, 6 & 17 — what you give up

Contract Risk Indicators

Mandatory arbitration
Required
Disputes resolved outside court — limits your legal options
Jury trial waiver
Waived
You give up the right to a jury trial
Non-compete
2 yrs
Post-termination restriction on similar businesses
Franchisor can compete
Yes
Franchisor can open competing locations in or near your territory
Right of first refusal
Yes
Franchisor can match any purchase offer when you try to sell

What drove the 73/100 rating

Risk Score Breakdown

  1. 01MINORUnit count declining 14.3% YoY (34 units) indicates system contraction and franchisee struggles
  2. 02MEDNet income not disclosed in Item 19 prevents ROI validation; only gross revenue ($645k avg) provided without profitability data
  3. 03MINORRoyalty structure with $500/week minimum ($26k annually) is aggressive relative to net margins in quick-lube industry
  4. 04HIGHFranchisor litigation history (trademark/trade dress and breach of contract) signals potential operational or relationship issues
  5. 05MINORInvestment range of $240k-$764.5k is wide and high-risk for a declining brand with unproven unit economics

Severity inferred from FDD text — not a regulatory or legal classification

Litigation data from FDD Items 3, 4, and 5. SBA data from public 7(a) FOIA records (FY2020–present). Not legal advice — consult a franchise attorney before signing any franchise agreement.