Take 5 Oil Change Franchise Cost (2026): $750K–$1.5M Quick-Lube

Per the current FDD, total estimated initial investment for a Take 5 Oil Change franchise runs $750,000–$1,500,000. The purpose-built below-grade pit facility is the dominant cost driver:

• Franchise fee: $30,000
• Real estate and site costs: $150,000–$300,000 (lease deposit, site prep, permitting)
• Building construction (purpose-built pit facility): $400,000–$800,000
• Equipment (below-grade pit equipment, fluid delivery systems, oil storage): $80,000–$150,000
• Signage and canopy: $20,000–$50,000
• Technology (POS, fleet management integration, shop software): $10,000–$20,000
• Initial inventory (oil, filters, fluids, supplies): $15,000–$30,000
• Training and travel: $10,000–$20,000
• Insurance: $15,000–$30,000
• Marketing and grand opening: $15,000–$30,000
• Working capital: $30,000–$60,000
• Miscellaneous and professional fees: $20,000–$40,000

Take 5 Oil Change requires prospective franchisees to demonstrate a minimum net worth of $1,000,000 and liquid capital of at least $300,000. These thresholds reflect the $750K–$1.5M investment ceiling and the capital depth required to execute a purpose-built construction project through to opening and ramp-up. Take 5 and Driven Brands evaluate candidates on multi-unit development experience, real estate and construction management capability, and financial depth for a capital-intensive facility build.

Take 5 is on the SBA Franchise Directory and Driven Brands' recognized franchisor status means SBA lenders have established approval protocols for this concept. At $750K–$1.5M with purpose-built construction, this is a capital-intensive project — underwriting parallels hotel and restaurant construction more closely than a light-buildout service franchise. Key factors lenders evaluate:

• Driven Brands site approval: Take 5's real estate team evaluates and approves sites before franchisee commitment. Lenders treat Driven Brands' site approval as a meaningful vetting signal — the franchisor's commercial real estate analytics provide traffic count, ingress/egress, and market penetration data that underwriters use alongside the franchisee's own projections.
• SBA 504 structure for construction: New-build Take 5 sites are most commonly financed under SBA 504 — SBA debenture (40%) + bank first mortgage (50%) + franchisee equity (10%). This structure provides long-term fixed-rate financing for the real property and building construction and is the dominant SBA path for construction projects at this investment level.
• DSCR at quick-lube throughput scale: SBA guidelines require a minimum 1.15× DSCR. At $750K–$1.5M with SBA 504, combined monthly debt service runs approximately $6,000–$10,000. Take 5's throughput model targeting 10–12 cars per bay per hour at peak can generate $600K–$1.2M+ in annual revenue at mature sites. Lenders require conservative projections anchored to FDD Item 19 comparables for the first 24 months.
• Construction management capability: A purpose-built below-grade-pit facility requires construction management experience or a general contractor relationship. Lenders assess the franchisee's ability to execute the construction project on budget and on schedule — cost overruns during construction are a common source of working capital depletion before opening.
• Equity injection depth: SBA 504 requires a minimum 10% equity injection from the franchisee; lenders and CDC partners often require 15–20% for ground-up construction due to construction risk. At $750K–$1.5M, this means $112K–$300K in documented borrower funds. Take 5's $300K+ liquid capital requirement is calibrated to this expectation.