SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Speedee Oil Change & Tune-Up franchise in Texas: what the public record shows
Franchisees of Speedee Oil Change & Tune-Up in Texas have taken 8 SBA loans since 1991 (average $278,236)— 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 21.8% is the better guide.
Loans in TX
8
Resolved
7
Local charge-off
thin
National charge-off
21.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
8,024
statewide, all operators
Per 100k residents
25.6
national 30.2
Versus the country
-15%
thinner
Every business in Speedee Oil Change & Tune-Up's industry operating in Texas — 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
$968
Texas, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-3%
cheaper to staff
What Speedee Oil Change & Tune-Up's industry actually pays workers in Texas, 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 TX | Local charge-off | Units in TX |
|---|---|---|---|
| Christian Brothers Automotive | 129 | 0.0% | — |
| Exxon | 96 | 6.1% | — |
| Meineke | 76 | 45.8% | — |
| Aamco Transmissions | 69 | 32.5% | — |
| Chevron (Gas Station) | 64 | 13.3% | — |
| Valero | 64 | 0.0% | — |
| Sunoco, LLC (Various Brands) Fuel Supply Agreement | 60 | 0.0% | — |
| All Tune and Lube | 54 | 57.8% | — |
| Maaco Auto Painting Center | 54 | 23.9% | — |
| Kwik Kar Oil & Lube | 52 | 6.5% | — |
| Texaco Service Station | 52 | 10.8% | — |
| Shell Service Station | 45 | 3.6% | — |
Same sector, same state, same public records — how Speedee Oil Change & Tune-Up compares to the systems a buyer in Texas 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 Speedee Oil Change & Tune-Up's numbers, including talking you out of a bad deal.