# Take 5 Oil Change Franchise Funding for Existing Owners

> Funding for existing Take 5 Oil Change franchisees: shallow-pit equipment, oil inventory, crew payroll and new-store development, sized from store deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/take-5-oil-change/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

Merchant Fund Express funds operating Take 5 Oil Change franchisees: lines of credit, equipment financing, working capital, business loans, merchant cash advances and revenue-based financing, $25,000 to $5,000,000. A Take 5 store runs many short tickets a day, so we read deposit count and consistency, then size payments after franchisor drafts, product purchases and current positions. Complete files get a same-day decision, and funding often follows the next business day.

## Who should read this Take 5 page?

Franchisees with open stores and deposit history. Driven Brands, the parent, reports that Take 5 serves retail drivers and commercial customers such as fleet operators through a stay-in-your-car format, with a compact store layout and shallow pit design. Beyond oil, stores sell add-ons such as coolant service, differential fluid exchanges and air and cabin filters. Driven Brands also says many existing franchisees have real estate pipelines in place, so a typical file comes from an operator funding open stores while the next one is under construction.
The automotive franchise funding sector guide and our auto repair industry page cover the wider service-bay cash cycle.

## What the franchisor publishes

Take 5 Oil Change: facts from official sources
Parent company: Driven Brands Holdings Inc. (Take 5 segment) (source)
Locations: 1,342 locations: 530 franchised and 812 company-operated, as of December 27, 2025 (Driven Brands 10-K) (source)
Published formats: Stay-in-your-car oil change with a compact store layout and shallow pit design (Driven Brands 10-K) (source)
Royalty: Ongoing royalties based on a percentage of gross sales; the 10-K does not state the Take 5 rate (source)
US franchising status: Actively franchising; the 10-K says franchisee demand to open new locations remains high and many existing franchisees have real estate pipelines (source)
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.

## Every way to fund your Take 5 Oil Change location

Already running a Take 5 Oil Change location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Franchise business loan: A fixed-term loan for a planned project at an open store, such as a second lane or a canopy and sign refresh.
Merchant cash advance: Repaid from the steady flow of card sales that a high-ticket-count store produces every day.
Revenue-based financing: A share of deposits suits a newer store still ramping toward its mature car count.
Business line of credit: A revolving buffer for oil and filter orders across several stores.
Equipment financing: Oil dispensing systems, pit equipment, fluid exchange machines and point-of-sale hardware funded from a vendor quote.
Working capital: Covers crew wages and pre-opening costs at the next store while open stores carry the file.

## Which problems do Take 5 franchisees bring to a funding review?

Growth outruns cash
An operator opening store after store spends on build-out, hiring and training before each new store produces sales. Working capital sized on open-store deposits keeps the pipeline moving.
Add-on service equipment
Coolant and differential fluid machines raise the average ticket but need cash up front. Equipment financing spreads the cost across the machine's life.
Crew turnover and training
Fast service depends on trained crews in the pit and at the car. Hiring and training ahead of demand is a payroll cost; see auto repair payroll funding.

## Which product fits which Take 5 need?

Need | Product | Published requirement it leans on | What to send |
Fluid exchange or dispensing equipment | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
Crew hiring before a new store opens | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements for the open stores |
Oil and filter orders across stores | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
Ramping store with uneven sales | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements per entity |
Fleet invoices on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |

## How does the review read a Take 5 store?

Entity: the franchisee entity for each store or development group, and the account its deposits land in.
Deposits: a high count of small card settlements; consistency matters more than any single strong week.
Franchisor drafts: royalty and marketing fund debits based on gross sales are read as recurring obligations.
Product purchases: oil and supply drafts to designated vendors are cost of goods.
Existing positions: development loans, leases and advances are counted; a new structure can sometimes lower the combined payment.

## What documents does a Take 5 funding review need?

About 3 months of business bank statements for each store entity, as bank PDFs
The five-minute application, starting with a soft credit pull
Equipment quotes for any machine or pit work
A debt schedule of current loans, leases and advances
For requests above $250,000: full financials
Typical first reviews skip tax returns. Spanish-speaking support is available.

## A hypothetical Take 5 budget scenario

Suppose a two-store franchisee deposits $130,000 a month combined. Oil and supply drafts are $33,000, payroll $36,000, franchisor drafts $15,600, rent $14,000 and existing payments $6,400. The owner wants $60,000 of working capital for crew hiring at a third store.
Combined monthly deposits$130,000
Less supply, payroll, franchisor drafts, rent, existing payments$130,000 - $33,000 - $36,000 - $15,600 - $14,000 - $6,400 = $25,000
$60,000 over 12 monthsabout $5,000/month before cost of funds
Share of what remains$5,000 / $25,000 = 20%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a Take 5 instead?

A store that has not opened has no deposits to read, so a first store needs an operating history before Merchant Fund Express can review it. See buying a franchise. Existing franchisees adding stores are read on current deposits; see second location funding and franchise transfer financing.

## Keep reading

Automotive franchise funding: auto service brands reviewed the same way
Franchise brands we cover: other brand pages
Multi-unit franchise funding: groups with several stores
Franchise revenue-based financing: payments that follow deposits
Working capital for auto repair: payroll and inventory gaps

## Common questions

### Can I use open Take 5 stores to fund the next one?

The review reads deposits from the stores that are already operating. Funding is sized on those deposits; the store under construction has no history yet.

### Can I finance fluid exchange machines for my Take 5?

Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.

### How are franchisor drafts treated?

Royalty and marketing fund debits are normal recurring obligations. Payment capacity is sized after them.

### What if I have an existing advance on a Take 5 store?

Tier 2 products allow up to 2 current advances. A new structure can sometimes lower the combined payment; see existing advances.

### Are you affiliated with Take 5 Oil Change?

No. Merchant Fund Express is independent. We use the Take 5 Oil Change name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.

Merchant Fund Express is independent. Not affiliated with or endorsed by Take 5 Oil Change or its franchisor.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=take-5-oil-change