SBA loan outcome check · franchise brand · SBA data as of 30 September 2026

How have SBA loans to Valvoline Instant Oil Change franchisees turned out?

Of 33 loans approved in fiscal 2000 to 2013 (at least five years old), 3 (9.1%) were charged off by the lender, against 20.2% across all 7(a) loans approved in those same years. Valvoline Instant Oil Change appears on 33 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $20.4 million in gross approvals. These are loans, not a rating.

Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.

Valvoline Instant Oil ChangeFranchise brand · 33 loans

9%of seasoned loans charged off

Valvoline Instant Oil Change appears on 33 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $20.4 million in gross approvals.
Of 33 loans approved in fiscal 2000 to 2013 (at least five years old), 3 (9.1%) were charged off by the lender, against 20.2% across all 7(a) loans approved in those same years.
A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.

Every approval year

Approval year	Loans	Approved	Paid in full	Charged off	Not yet resolved	Charged-off share
FY2000	2	$1.1 million	2	0	0	few loans
FY2001	1	$300,000	1	0	0	few loans
FY2002	2	$1.1 million	2	0	0	few loans
FY2003	6	$3.0 million	5	1	0	few loans
FY2004	6	$1.9 million	5	1	0	few loans
FY2005	4	$2.6 million	4	0	0	few loans
FY2007	4	$2.7 million	3	0	1	few loans
FY2009	1	$150,000	0	1	0	few loans
FY2011	5	$5.2 million	5	0	0	few loans
FY2012	1	$1.3 million	1	0	0	few loans
FY2013	1	$1.1 million	1	0	0	few loans

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a franchise, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.