FRANCHISEL.COM — LENDER READINESS PACK
Valvoline Instant Oil Change Or Instant Oil Change
Valvoline Inc
Generated April 6, 2026
Source: 2026 FDD
Government-Filed Source ✓
Valvoline Instant Oil Change Or Instant Oil Change
Lender Readiness Pack · 2026 FDD
Purpose of This Document
This Lender Readiness Pack summarizes key financial metrics for a Valvoline Instant Oil Change Or Instant Oil Change franchise opportunity, sourced from the 2026 Franchise Disclosure Document filed with a state franchise regulator. All financial figures are from official FDD disclosures. Editorial projections are labeled as such and do not constitute guarantees. Consult a franchise attorney and SBA lender before making any commitments.1. Business Overview
Items 1-2| Franchisor | Valvoline Inc |
| Concept | Valvoline Instant Oil Change Or Instant Oil Change |
| Category | Automotive |
| Year Franchising Began | 2016 |
| Total System Units | 1,723 |
| Franchised Units | 1,550 |
| FDD Year | 2026 |
| Data Source | 2026 Government-Filed FDD ✓ |
2. Investment Requirements
Items 5-7| Total Investment Range | $192,375 – $639,550 |
| Investment — Low Estimate | $192,375 |
| Investment — High Estimate | $639,550 |
| Investment — Midpoint | $415,963 |
| Initial Franchise Fee | $30,000 |
| Ongoing Royalty | 4% |
| Marketing Fund | 3% |
3. Revenue Performance (Item 19)
Item 19| Average Gross Revenue | $1,063,897 |
| Units Included | 1,723 |
| Basis | subset |
| Revenue Type | not specified |
| Measurement Period | FY 2026 |
5. System Health (Item 20)
Item 20| Units Opened (reporting period) | 0 |
| Units Closed | 0 |
| Net Unit Growth | +0 |
| Annual Turnover Rate | See FDD |
| System Health Score (FDD-derived) | 7/10 |
6. Franchisor Financial Health (Item 21)
Item 21| Audited Financials | Yes — independent audit |
| Going Concern Warning | None ✓ |
| Franchisor Strength Score (FDD-derived) | 7/10 |
7. Contract Summary (Item 17)
Item 17| Initial Term | 10 years |
| Non-Compete (post-termination) | None |
| Mandatory Arbitration | No |
| Contract Friction Score (FDD-derived) | 7/10 |
8. Territory Analysis (Item 12)
Item 12| Territory Risk Score | 2/10 — Critical Encroachment Risk |
| Exclusive Territory | No — encroachment risk |
| Territory Type | radius |
| Territory Radius | 2 miles |
| Online Sales Reserved by Franchisor | Yes |
NO exclusive territory — encroachment risk exists; franchisor reserves online/ecommerce sales; radius-based territory (2 mi.).
12. SBA Lending Notes
Loan Amount Guidance
Based on the investment range ($192,375 – $639,550), an SBA 7(a) loan would typically cover $153,900–$511,640 (80% of total investment). Down payment requirement: typically 10–30% of total project cost.
SBA Registry Status
Check the SBA Franchise Registry (franchisedirectory.sba.gov) to confirm whether Valvoline Instant Oil Change Or Instant Oil Change is listed. Brands on the registry have pre-approved franchise agreements, simplifying the loan process.
Documents Required for SBA Application
- Current FDD (Item 21 audited financial statements are required)
- Signed franchise agreement (or executed copy)
- Personal financial statement (SBA Form 413)
- Business plan with financial projections (prepare separately with your accountant)
- 3 years personal tax returns
- Real estate lease or letter of intent
Disclaimer: This Lender Readiness Pack was generated by Franchisel.com from the 2026 Franchise Disclosure Document filed with a state franchise regulator. Source: Extracted from 2026 FDD filed with MN CARDS (file #2019). Data verified from government filing.. Scenario economics are editorial projections using category cost benchmarks — they are NOT guarantees of performance and are NOT sourced from the FDD. This document does not constitute legal, financial, or investment advice. Verify all figures with a qualified franchise attorney and SBA lender before proceeding. Generated April 6, 2026 by Franchisel.com — buyer-aligned, never franchisor-funded.