SBA 7(a)/504 FOIA · FY1991–PRESENT · MARYLAND
All Tune and Lube franchise in Maryland: what the public record shows
Franchisees of All Tune and Lube in Maryland have taken 16 SBA loans since 1991 (average $87,712), and of the 15 loans whose story has ended, 26.7% were charged off — versus 42.3% for All Tune and Lube nationally and 14.8% across all rateable franchise brands.
Loans in MD
16
Resolved
15
Local charge-off
26.7%
National charge-off
42.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MD. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
1,911
statewide, all operators
Per 100k residents
30.5
national 30.2
Versus the country
+1%
denser
Every business in All Tune and Lube's industry operating in Maryland — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in MD | Local charge-off | Units in MD |
|---|---|---|---|
| Meineke | 25 | 27.8% | — |
| Midas Muffler Shop | 16 | 36.4% | — |
| Maaco Auto Painting Center | 12 | 10.0% | — |
| Exxon | 10 | thin | — |
| Amoco (Gas Station) | 9 | thin | — |
| Aamco Transmissions | 6 | thin | — |
| JIFFY LUBE | 6 | thin | 63 |
| LINE-X | 6 | thin | 2 |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 6 | thin | — |
| Mobil Oil (Stations) | 5 | thin | — |
| Shell Service Station | 5 | thin | — |
| Sunoco Service Station | 5 | thin | — |
Same sector, same state, same public records — how All Tune and Lube compares to the systems a buyer in Maryland would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing All Tune and Lube's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →