Automotive · Brand S0904
Jiffy Lube franchise research
Costs by format. Disclosure context. Historical loan evidence. Know what is captured and what still needs diligence.
Open your research shortlistSource: FDD issued Not captured · SBA data through Jun 30, 2026 · Automated extraction, not human-reviewed · View all sources
- Investment
- $211,000 to $510,000 Total expenditures, new Build-to-Suit service center (leased; before Growth Funding) · +1 more
- Royalty
- 4% 4% of Gross Sales monthly (3% if paid on or before due date); 5% (4% if paid on time) if the Pacesetter or Fast Lubes Supply Agreement is terminated; 0% for the first 6 months for new-to-system locations
- Working capital
- Additional funds (working capital) - 6 months: $45,000 (Item 7 gives a 6-month figure, not 3-month); FDD recommends at least $45,000 FDD Item 7
- Units
- 1,765 +44 net in 2025
- SBA loans approved
- 25 FY2021 to FY2026 YTD
- SBA charge-off share
- 0.00% historical, not a failure rate
Investment by format
| Format | Disclosed range |
|---|---|
| Total expenditures, new Build-to-Suit service center (leased; before Growth Funding) | $211,000 to $510,000 |
| Net total after Growth Funding of $0-$77,350 | $236,000 to $452,650 |
Format-specific estimates only. Do not combine one format's minimum with another format's maximum.
Investment sourceFDD p.33 ↗
Franchise fees and ongoing costs
- Franchise fee
- $0 to $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.
- Royalty
- 4% · 4% of Gross Sales monthly (3% if paid on or before due date); 5% (4% if paid on time) if the Pacesetter or Fast Lubes Supply Agreement is terminated; 0% for the first 6 months for new-to-system locations
- Marketing contribution
- 1.5% (basis not captured; see original filing)
- Technology fee
- POS Support Charge: not to exceed $192 per month per POS system; Hardware Support currently $73 per month; Cisco Meraki license $18 per store per month
- Other fees
- POS related equipment lease $312-$800/month; Data Delivery Service (optional) $200-$850/month by store count; Fleet Processing Charge $1.25 per national fleet invoice
- Working capital (FDD Item 7)
- Additional funds (working capital) - 6 months: $45,000 (Item 7 gives a 6-month figure, not 3-month); FDD recommends at least $45,000
Fees sourceFDD p.27 ↗
Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.
Investment sourceFDD p.33 ↗
Franchise fee sourceFDD · page not captured ↗
Financial performance: Item 19
- Item 19 captured
- Yes
- Metric / basis
- Net Adjusted Sales (Gross Sales minus promotions, warranty, non-royalty income and national fleet discounts) and vehicle counts for franchised stores open 12 full months, by quartile; also new-store history and Multicare new-store cohorts
- Reporting period
- Calendar year 2025 (2023 and 2024 also shown)
- Sample
- 1,732 franchised stores open all 12 months of 2025 (company-owned excluded)
- Reported average
- $1,109,718.70
- Reported median
- $1,004,273.06
Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.
Item 19 performance sourceFDD p.74 ↗
Unit growth: Item 20
- Reporting year
- 2025
- Scope
- franchised outlets
- Starting outlets
- 1721
- Year-end outlets
- 1765
- Net change
- +44
- Derivation
- ending minus starting outlets
- Openings
- 67
- Terminations
- 21
- Non-renewals
- 0
- Other closures
- 0
- Reacquisitions
- 2
- Transfers
- 51
Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.
Unit growth sourceFDD p.81 ↗
SBA loan history
- Loan activity
- 25 approvals
- Activity window
- FY2021-FY2026 YTD; snapshot 2026-06-30
- Median SBA loan
- $802,000
- Median loan window
- FY2023-FY2026 YTD through 2026-06-30
- Median loan sample
- 5 loans
- Historical charge-off share
- 0.00%
- Cohort
- 7(a) FY2010-2019 approvals
- Numerator / denominator
- 0 / 32
- Formula
- CHGOFF / (PIF + CHGOFF + EXEMPT) × 100
This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.
SBA loans sourceSBA data · Jun 30, 2026 ↗
Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.
Median SBA loan sourceSBA data · Jun 30, 2026 ↗
Questions before you invest
How much does Jiffy Lube franchise cost?
Total expenditures, new Build-to-Suit service center (leased; before Growth Funding): $211,000 to $510,000; Net total after Growth Funding of $0-$77,350: $236,000 to $452,650 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $0 to $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..
Investment sourceFDD p.33 ↗
Franchise fee sourceFDD · page not captured ↗
How much do Jiffy Lube owners make?
Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Net Adjusted Sales (Gross Sales minus promotions, warranty, non-royalty income and national fleet discounts) and vehicle counts for franchised stores open 12 full months, by quartile; also new-store history and Multicare new-store cohorts. Sample: 1,732 franchised stores open all 12 months of 2025 (company-owned excluded). Period: Calendar year 2025 (2023 and 2024 also shown).
Item 19 performance sourceFDD p.74 ↗
What's the SBA charge-off rate for Jiffy Lube?
0.00%; numerator / denominator: 0 / 32. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $802,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 5 loans. Median financing is not total investment.
SBA loans sourceSBA data · Jun 30, 2026 ↗
Median SBA loan sourceSBA data · Jun 30, 2026 ↗
Sources and data details
Every figure above links to the page of the filing it was read from. These are the document IDs, page pointers and checksums behind them, for anyone who wants to audit the data.
Show document IDs, page pointers and hashes
Original source · FDD issued: Not captured; Registry received: 07/06/2026
Document: 36986-202607-02; document SHA-256: 53fb5bbd6d5ec672bad4a34a22fff31f192c805ae3c798f9cf9e6968c229af38
PDF page: 27; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 07/06/2026
Document: 36986-202607-02; document SHA-256: 53fb5bbd6d5ec672bad4a34a22fff31f192c805ae3c798f9cf9e6968c229af38
PDF page: 33; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 07/06/2026
Document: 36986-202607-02; document SHA-256: 53fb5bbd6d5ec672bad4a34a22fff31f192c805ae3c798f9cf9e6968c229af38
PDF page: Not captured; pointer: source-known-page-unknown. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Original source · FDD issued: Not captured; Registry received: 07/06/2026
Document: 36986-202607-02; document SHA-256: 53fb5bbd6d5ec672bad4a34a22fff31f192c805ae3c798f9cf9e6968c229af38
PDF page: 74; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · FDD issued: Not captured; Registry received: 07/06/2026
Document: 36986-202607-02; document SHA-256: 53fb5bbd6d5ec672bad4a34a22fff31f192c805ae3c798f9cf9e6968c229af38
PDF page: 81; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2010_FY2019_asof_260630.csv; document SHA-256: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade
PDF page: Not captured; pointer: raw-aggregate-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2010_FY2019_asof_260630.csv: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade; FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; FOIA_504_FY2010_Present_asof_260630.csv: 8c0e15414217254bcde2a253a8f17418b3dc65ce78dbc56cc1f1ab05c4a05ad4; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2020_Present_asof_260630.csv; document SHA-256: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe
PDF page: Not captured; pointer: raw-median-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Program: 7(a); Amount column: GrossApproval