Automotive · lender intelligence
How to finance a Valvoline Instant Oil Change
The SBA 7(a) lenders funding the most Valvoline Instant Oil Change deals, ranked from public loan records — typical Valvoline Instant Oil Change loan about $1.0M. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with Valvoline Instant Oil Change
Ranked by funded Valvoline Instant Oil Change loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.618 loans · $171M · Salt Lake City, UTFull record →
- 2.1,296 loans · $1.4B · Wilmington, NCFull record →
6+ funded Valvoline Instant Oil Change deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Pm Lube II , LLC in Martinsburg, WV — $900K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $549K (61%)
- Approval → funding
- 42 days
- Approved
- 6/29/2023
- First disbursed
- 8/10/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Automotive Oil Change and Lubrication Shops
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $100K
- Est. cash at closing
- $137K
- Monthly payment
- $7,707
- Annual debt service
- $92K
- Cash flow needed (1.25×)
- $116K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- PM Lube II, LLC in Lexington, VA — $2.1M (2020) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 13 days
- Approved
- 9/17/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
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- HARTLEY HOLDINGS, LLC in Kingman, AZ — $1.1M (2020) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $825K (75%)
- Approval → funding
- 35 days
- Approved
- 2/25/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (8/31/2022)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- HARTLEY HOLDINGS, LLC in Prescott, AZ — $1.0M (2020) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $765K (75%)
- Approval → funding
- 35 days
- Approved
- 2/25/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (8/31/2022)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- HARTLEY HOLDINGS, LLC in Sierra Vista, AZ — $930K (2020) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $698K (75%)
- Approval → funding
- 35 days
- Approved
- 2/25/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (8/31/2022)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- HARTLEY HOLDINGS, LLC in Cottonwood, AZ — $821K (2020) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $616K (75%)
- Approval → funding
- 35 days
- Approved
- 2/25/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (8/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Buying a Valvoline Instant Oil Change? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to Valvoline Instant Oil Change businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Valvoline Instant Oil Change purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Zions Bank, A Division of funds the most. DealRoom is not a lender.
- $1.0M typical Valvoline Instant Oil Change loan
- 2 lenders fund the brand
- 35 days typical to fund
Buyers researching a Valvoline Instant Oil Change typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.