EXPRESS OIL CHANGE: how its 21 SBA loans actually performed
Automotive Oil Change and Lubrication Shops · 21 units financed with SBA 7(a) loans since 2010 · 13 lenders have funded this brand.
No defaults on record
None of the 21 seasoned SBA loans to EXPRESS OIL CHANGE charged off within seven years — a 0.0% rate, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| TD Bank, National Association | 4 |
| PNC Bank, National Association | 3 |
| First United Bank and Trust Company | 2 |
| First National Bank of Pennsylvania | 2 |
| Atlantic Union Bank | 2 |
| Stearns Bank National Association | 1 |
13 lenders have funded EXPRESS OIL CHANGE since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
EXPRESS OIL CHANGE is a smaller-sample brand: 21 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 21 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many EXPRESS OIL CHANGE SBA loans have defaulted?
0 of 21 seasoned EXPRESS OIL CHANGE SBA 7(a) loans charged off within seven years — a 0.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a EXPRESS OIL CHANGE franchise a safe SBA loan bet?
By the numbers its default rate is below the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 21 loans it is a smaller sample than our flagship brands.
Which lenders fund EXPRESS OIL CHANGE franchises?
13 lenders have made SBA loans to EXPRESS OIL CHANGE since 2010, led by TD Bank, National Association.