¢
BIZBITE
345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked
Physical
42
/100 score
Fair

Quick Lube / Oil Change Shop

10 minutes, $80, repeat every 5,000 miles — forever

Quick lube shops perform rapid oil changes and basic vehicle maintenance (filters, wipers, fluids) without appointments in 10–15 minutes. The model thrives on high volume, predictable recurrence (every 3–6 months per car), and upsells. Independent shops average $400K–$900K in revenue. Franchise options (Jiffy Lube, Valvoline Instant Oil Change, Take 5) provide brand, training, and supply chain in exchange for royalties.

Avg Revenue

$700K

Profit Margin

22%

Acquisition Multiple

2x - 3.5x

Startup Cost

$200K - $500K

Difficulty

3/5

How It Works

Customers drive in without an appointment. Technicians complete the oil change in one pit bay while the customer stays in the car or waits briefly. Average ticket is $70–$110 including oil and filter. Upsells (transmission fluid, air filters, cabin filters, wiper blades) can add $20–$40/visit. High-traffic locations see 50–100 cars/day. Multi-bay locations with strong throughput are the key to profitability.

Revenue Range

Low End
$400K
Typical
$700K
High End
$1.2M

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 811191 · Automotive Oil Change and Lubrication Shops

Deals tracked
67
13 in last 24 mo
Median loan
$775K
$358K–$1.3M p25/p75
Implied deal size
$912K
median · ~85% LTV
Charge-off rate
9.1%
of loans that finished

Deal Size Distribution

<$150K
3
$150K–500K
21
$500K–1M
16
$1M–2M
19
>$2M
8

Deal Flow Over Time

Deals per year · median loan
$643K
2020
11
$875K
2021
16
$505K
2022
14
$900K
2023
9
$573K
2024
4
$1.2M
2025
12
$2.2M
2026
1
12-month momentum
-14.3%
deal volume vs prior 12 mo
Median loan Δ
+21.6%
6 recent · 7 prior

Financing Profile

Median rate
9.00%
0% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
99%
of loans secured
Median jobs
10
supported per deal
Top lenders in this space
Live Oak Banking Company37
Centier Bank2
FNB Bank2
The Bancorp Bank National Association2
Third Coast Bank1
Where deals happen
TX11
CA9
NC6
FL5
CO5
IN3
SC3
KS3
AR2
OH2
Franchise vs independent
Franchised acquisitions finance at $900K median vs $582K for independents — a +55% franchise premium. Franchises make up 55% of deals tracked.

Recent Comparable Deals

ClosedStateLoanImplied dealJobsFranchise
Dec 2025WA$2.2M$2.6M2Grease Monkey
Sep 2025AR$2.3M$2.8M48Jiffy Lube
Aug 2025KY$919K$1.1M10Midas
Aug 2025CA$1.3M$1.6M15
Jul 2025TX$1.4M$1.6M13SpeeDee Oil Change & Auto Serv
May 2025CO$137K$161K5
Apr 2025CA$1.3M$1.5M14
Mar 2025CO$250K$294K31
Feb 2025CA$3.6M$4.2M13Midas/SpeeDee Oil Change & Aut
Jan 2025TX$300K$353K4
Volume rank #103/534Deal-size rank #223/534Momentum rank #129p90 loan: $2.2MData as of Dec 2025

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Pros

  • +Extremely predictable demand — cars always need oil changes
  • +No appointment model maximizes daily throughput
  • +Strong upsell opportunities at each service visit
  • +Franchise options de-risk operations and marketing

Cons

  • -Labor-intensive — staffing quality drives everything
  • -Real estate and visibility are critical (high-traffic corner locations)
  • -Competition from dealerships and franchise chains

Best For

Owner-operators who want a physical business with reliable recurring demand and manageable operations

Operating Costs

Main costs: oil and parts COGS (35–40% of revenue), labor (25–30%), rent ($5K–$20K/month depending on market), and equipment maintenance. Franchise royalties add 5–8% if applicable.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

+$2K/mo
after debt service
Deal price — $1.1M
Range: $1.1M (2×) to $3.1M (3.5×+)
Down payment — 15% ($158K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.00%
SBA median for this category: 9.0%
Loan term — 10 years (120 mo)
SBA median for this category: 120 months
Down payment
$158K
15% equity injection
Loan amount
$893K
85% SBA-financed
Monthly payment
$11K/mo
$464K total interest
Monthly profit
$13K/mo
at 22% margin
Monthly cash flow after debt service
+$2K/mo
Down payment paid back in ~104 months — long horizon

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell

Search oil change and quick lube businesses for sale

Franchise Direct

Browse Jiffy Lube, Valvoline, and Take 5 franchise opportunities

42/100Fair

Acquisition Score

Profit margin
15/30
Entry multiple
23/25
Market depth
2/20
Risk (charge-off)
1/15
Deal momentum
1/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
physical
Difficulty
3/5
Buy price
$1.4M$2.5M

Get the full breakdown in your inbox

Weekly boring business breakdowns

Get notified when high-margin businesses hit the market

Buy a quick lube / oil change shop
via BizBuySell
See listings →