SBA 7(a)/504 FOIA · FY1991–PRESENT · IDAHO
JIFFY LUBE franchise in Idaho: what the public record shows
Franchisees of JIFFY LUBE in Idaho have taken 7 SBA loans in the FY1991–present FOIA files (average $648,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. JIFFY LUBE's national ratio is 0.3×. Its latest FDD Item 20 state table reports 22 franchised outlets in Idaho (fiscal 2025) — about 1.1 per 100k residents.
Loans in ID
7
Charged off (all years)
0 of 3
Loss ratio in ID
—
Loss ratio nationally
0.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = ID. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
664
statewide, all operators
Per 100k residents
33.2
national 30.2
Versus the country
+10%
denser
Every business in JIFFY LUBE's industry operating in Idaho — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$958
Idaho, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-4%
cheaper to staff
What JIFFY LUBE's industry actually pays workers in Idaho, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 22 | 5 |
| 2024 | 22 | 5 |
| 2025 | 22 | 5 |
| System | Loans in ID | Charged off (all years) | Loss ratio in ID | Units in ID |
|---|---|---|---|---|
| Chevron (Gas Station) | 25 | 0 of 21 | — | — |
| BIG O TIRES | 19 | 2 of 12 | — | 7 |
| Texaco Service Station | 14 | 1 of 11 | — | — |
| Grease Monkey | 10 | 0 of 7 | — | — |
| Meineke | 10 | 5 of 10 | — | — |
| Aamco Transmissions | 6 | 0 of 4 | — | — |
| Exxon | 6 | 0 of 4 | — | — |
Other systems in JIFFY LUBE's sector whose franchisees borrowed in Idaho. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing JIFFY LUBE’s numbers, including talking you out of a bad deal.