How much do lenders finance for a Victory Lane Quick Oil Change franchise?

The median SBA loan approved for a Victory Lane Quick Oil Change franchise is $465,700, with the middle 80% of loans between $50,000 and $1,343,100. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Victory Lane Quick Oil Change franchises?

By dollars approved, the most active SBA lenders for Victory Lane Quick Oil Change have been Celtic Bank Corporation, Old National Bank, Milestone Bank, The Huntington National Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Victory Lane Quick Oil Change SBA loans?

The median term is 10.5 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Victory Lane Quick Oil Change franchise

SBA lenders have approved 29 loans against the Victory Lane Quick Oil Change brand since FY2010, totalling $17.6M. The median approval was $465,700. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#737

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$465,700

Typical range

$50K-$1.3M

Middle 80% of loans

Median term

10.5 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Victory Lane Quick Oil Change

Lender	Loans	Approved
Celtic Bank Corporation	2	$2.9M
Old National Bank	6	$2.8M
Milestone Bank	2	$2.8M
The Huntington National Bank	9	$2.6M
Live Oak Banking Company	1	$1.5M
Wells Fargo Bank	1	$1.1M
First Bank of the Lake	1	$1.0M
FDIC - Community Bank & Trust-West Georgia	1	$943K

Geography

Where Victory Lane Quick Oil Change units were financed

State	Loans	Share
Michigan	15
Kentucky	4
Arizona	2
Texas	2
Alabama	1
Minnesota	1
Virginia	1
North Carolina	1

Approvals by fiscal year

’10

’11

’14

’15

’17

’18

’19

’21

’22

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
10%
$50K - $150K
14%
$150K - $350K
17%
$350K - $1M
34%
$1M - $2M
24%

Financing a Victory Lane Quick Oil Change: common questions

How much do lenders finance for a Victory Lane Quick Oil Change franchise?: The median SBA loan approved for a Victory Lane Quick Oil Change franchise is $465,700, with the middle 80% of loans between $50,000 and $1,343,100. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Victory Lane Quick Oil Change franchises?: By dollars approved, the most active SBA lenders for Victory Lane Quick Oil Change have been Celtic Bank Corporation, Old National Bank, Milestone Bank, The Huntington National Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Victory Lane Quick Oil Change SBA loans?: The median term is 10.5 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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