SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Valvoline Instant Oil Change franchise in Virginia: what the public record shows
Franchisees of Valvoline Instant Oil Change in Virginia have taken 6 SBA loans since 1991 (average $775,400)— 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 5.3% is the better guide.
Loans in VA
6
Resolved
3
Local charge-off
thin
National charge-off
5.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. 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
2,691
statewide, all operators
Per 100k residents
30.5
national 30.2
Versus the country
+1%
denser
Every business in Valvoline Instant Oil Change's industry operating in Virginia — 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.
| System | Loans in VA | Local charge-off | Units in VA |
|---|---|---|---|
| Meineke | 26 | 27.3% | — |
| All Tune and Lube | 21 | 18.2% | — |
| Aamco Transmissions | 19 | 54.5% | — |
| Midas Muffler Shop | 16 | 10.0% | — |
| Exxon | 12 | thin | — |
| Maaco Auto Painting Center | 11 | 10.0% | — |
| Texaco Service Station | 9 | thin | — |
| Cottman Transmission | 7 | thin | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 7 | thin | — |
| Experimac | 6 | thin | — |
| LINE-X | 6 | thin | 4 |
| Mobil Oil (Stations) | 6 | thin | — |
Same sector, same state, same public records — how Valvoline Instant Oil Change compares to the systems a buyer in Virginia 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 Valvoline Instant Oil Change's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →