SBA 7(a)/504 FOIA · FY1991–PRESENT · OREGON
JIFFY LUBE franchise in Oregon: what the public record shows
Franchisees of JIFFY LUBE in Oregon have taken 5 SBA loans since 1991 (average $469,700)— 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 4.3% is the better guide. Its latest FDD Item 20 state table reports 36 franchised outlets in Oregon (fiscal 2025) — about 0.84 per 100k residents.
Loans in OR
5
Resolved
4
Local charge-off
thin
National charge-off
4.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OR. 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
1,351
statewide, all operators
Per 100k residents
31.6
national 30.2
Versus the country
+5%
denser
Every business in JIFFY LUBE's industry operating in Oregon — 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 | 37 | 14 |
| 2024 | 37 | 14 |
| 2025 | 36 | 14 |
| System | Loans in OR | Local charge-off | Units in OR |
|---|---|---|---|
| Chevron (Gas Station) | 21 | 21.4% | — |
| Aamco Transmissions | 11 | thin | — |
| Arco (Gas Station) | 9 | thin | — |
| Chevron - Retail Supply Contract | 9 | thin | — |
| Napa Auto Parts | 8 | thin | — |
| Phillips 66 | 8 | thin | — |
| Shell Service Station | 7 | thin | — |
| Conoco Service Station | 6 | thin | — |
| Cottman Transmission | 5 | thin | — |
| Texaco Service Station | 5 | thin | — |
Same sector, same state, same public records — how JIFFY LUBE compares to the systems a buyer in Oregon 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 JIFFY LUBE's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →