SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW JERSEY
All Tune and Lube franchise in New Jersey: what the public record shows
Franchisees of All Tune and Lube in New Jersey have taken 14 SBA loans since 1991 (average $106,850)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 42.3% is the better guide.
Loans in NJ
14
Resolved
9
Local charge-off
thin
National charge-off
42.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NJ. 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 of 30 loans.
Businesses in this industry
3,163
statewide, all operators
Per 100k residents
33.3
national 30.2
Versus the country
+10%
denser
Every business in All Tune and Lube's industry operating in New Jersey — 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.
Avg weekly wage, this industry
$1,068
New Jersey, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+7%
costlier to staff
What All Tune and Lube's industry actually pays workers in New Jersey, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in NJ | Local charge-off | Units in NJ |
|---|---|---|---|
| Aamco Transmissions | 33 | 20.0% | — |
| Meineke | 29 | 11.1% | — |
| Cottman Transmission | 23 | 57.1% | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 20 | thin | — |
| Exxon | 16 | 25.0% | — |
| Mobil Oil (Stations) | 15 | 0.0% | — |
| Maaco Auto Painting Center | 11 | thin | — |
| Midas Muffler Shop | 9 | thin | — |
| Sunoco Service Station | 9 | thin | — |
| JIFFY LUBE | 7 | thin | 33 |
| Grease Monkey | 5 | thin | — |
Same sector, same state, same public records — how All Tune and Lube compares to the systems a buyer in New Jersey 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. I'm paid by you — and the job is pressure-testing All Tune and Lube's numbers, including talking you out of a bad deal.