SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
JIFFY LUBE franchise in California: what the public record shows
Franchisees of JIFFY LUBE in California have taken 62 SBA loans since 1991 (average $768,688), and of the 42 loans whose story has ended, 2.4% were charged off — versus 4.3% for JIFFY LUBE nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 265 franchised outlets in California (fiscal 2025) — about 0.67 per 100k residents.
Loans in CA
62
Resolved
42
Local charge-off
2.4%
National charge-off
4.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. 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
12,022
statewide, all operators
Per 100k residents
30.5
national 30.2
Versus the country
+1%
denser
Every business in JIFFY LUBE's industry operating in California — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 268 | — |
| 2024 | 269 | — |
| 2025 | 265 | — |
| System | Loans in CA | Local charge-off | Units in CA |
|---|---|---|---|
| Chevron (Gas Station) | 234 | 2.9% | — |
| Arco (Gas Station) | 213 | 2.0% | — |
| Shell Service Station | 146 | 6.5% | — |
| Valero | 110 | 3.1% | — |
| Chevron - Retail Supply Contract | 81 | 0.0% | — |
| Ampm Mini Market- Arco | 74 | 0.0% | — |
| Maaco Auto Painting Center | 69 | 19.0% | — |
| Aamco Transmissions | 65 | 29.6% | — |
| Phillips 66 | 64 | 0.0% | — |
| Midas Muffler Shop | 63 | 11.9% | — |
| Speedee Oil Change & Tune-Up | 57 | 18.8% | — |
| Union 76 Oil | 55 | 5.0% | — |
Same sector, same state, same public records — how JIFFY LUBE compares to the systems a buyer in California would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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