# Valvoline Instant Oil Change Franchise Funding for Existing Owners

> Funding for existing Valvoline Instant Oil Change franchisees: bay equipment, lubricant costs, technician payroll and added stores, sized from service center deposits.

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

## The short answer

Already operating Valvoline Instant Oil Change service centers? Merchant Fund Express funds existing VIOC franchisees with equipment financing, working capital, lines of credit, business loans, merchant cash advances and revenue-based financing from $25,000 to $5,000,000. We read each center's deposits and size payments after royalty and advertising fund drafts and the monthly lubricant supply bill. A complete file gets a same-day decision, and funding often arrives the next business day.

## Which Valvoline Instant Oil Change operators is this for?

Franchisees with open service centers and business deposit history. Valvoline's annual report describes about 15-minute stay-in-your-car oil changes plus battery, bulb and wiper replacements and tire rotations, delivered with its SuperPro system in company and franchised stores alike. Product supply is arranged through Valvoline under long-term agreements, and the company has been selling company stores to franchisees, so some groups are absorbing acquired centers while running their existing ones.
Our automotive franchise funding sector guide and auto repair industry page explain the service-bay cash cycle in more depth.

## What the franchisor publishes

Valvoline Instant Oil Change: facts from official sources
Franchisor: Valvoline Inc. franchises the Valvoline Instant Oil Change brand (10-K for fiscal year ended September 30, 2025) (source)
Royalty: Royalties at a contractual rate of service center store sales over the franchise agreement term; the 10-K does not state the rate (source)
Advertising fund: Valvoline administers an advertising fund that franchisees contribute to as specified in their franchise agreements (source)
Locations: 2,180 service center stores in the U.S. and Canada as of September 30, 2025, of which 1,016 company-operated; franchisees run 53% of system-wide stores (source)
Published formats: Stay-in-your-car oil changes in about 15 minutes; franchise agreements typically run 10 to 15 years (source)
US franchising status: Actively franchising; the franchise site invites applicants to become a franchisee (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 Valvoline Instant Oil Change location

Already running a Valvoline Instant 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 term loan suits a planned bay renovation or a new building inside a development territory.
Merchant cash advance: Card-driven repayment moves with daily car counts across the 15-minute service model.
Revenue-based financing: A share of deposits fits centers newly added to a group, whose sales are still settling under new ownership.
Business line of credit: A buffer for the lubricant supply bill, which can change with base oil prices.
Equipment financing: Pit equipment, dispensing systems, battery and tire rotation tools funded against a vendor quote.
Working capital: Covers technician payroll and training as a group staffs centers it has just taken on.

## Which problems do Valvoline Instant Oil Change owners bring to a review?

Lubricant cost moves with oil prices
Valvoline says operator supply contracts are generally indexed to material prices, so the monthly product bill can rise without warning. A line of credit for auto repair absorbs the swing.
Absorbing newly acquired centers
Groups that buy stores need cash for staffing, signage and equipment at each new center before its deposits settle into their account history.
Pit equipment and bay upkeep
Lower-bay pumps, hose reels and drain systems wear under constant use. Equipment financing replaces them without draining payroll cash.

## Which product fits which VIOC need?

Need | Product | Published requirement it leans on | What to send |
Lower-bay pumps, reels, dispensing | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
Higher supply bill after a price move | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Statements, supplier invoices |
Staffing centers just added to a group | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements for operating entities |
Bay renovation at an older center | Business loan | Tier 1, applicant owns at least 50% | Contractor bid, statements |
Uneven sales across a large group | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements per entity |

## How does the review read a Valvoline Instant Oil Change center?

Entity: the independent franchisee company and the account that receives each center's deposits.
Deposits: frequent card settlements from drivers plus payments from fleet and commercial customers.
Royalty and advertising fund: drafted as agreed in the franchise agreement and read as recurring obligations.
Supply drafts: the monthly lubricant and product bill is cost of goods, not debt.
Existing positions: acquisition loans, leases and any advances are counted; a new structure can sometimes lower the combined payment.

## Which documents should a VIOC operator gather?

About 3 months of business bank statements per entity as bank PDFs
The five-minute application, starting with a soft credit pull
Quotes for any equipment or bay work
A debt schedule with current loans, leases and advances
Full financials only if the request is above $250,000
Sole proprietors are eligible, and Merchant Fund Express serves all 50 states.

## A hypothetical Valvoline Instant Oil Change budget scenario

Assume a three-center group depositing $210,000 a month combined. Lubricant and supply drafts are $52,000, payroll $63,000, franchisor drafts $16,000, rent $21,000 and existing payments $9,000. The owner wants $75,000 to replace pit equipment across two centers.
Combined monthly deposits$210,000
Less supply, payroll, franchisor drafts, rent, existing payments$210,000 - $52,000 - $63,000 - $16,000 - $21,000 - $9,000 = $49,000
$75,000 over 60 monthsabout $1,250/month before cost of funds
Share of what remains$1,250 / $49,000 = about 2.6%
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 Valvoline Instant Oil Change instead?

A first center, or a store you have agreed to buy but not yet operated, needs an operating history under your entity before Merchant Fund Express can review it. See buying a franchise. If you already operate centers, the review reads their deposits; see second location funding and franchise transfer financing.

## Keep reading

Automotive franchise funding: how auto service brands are reviewed
Franchise brands we cover: other brand pages
Franchise equipment financing: quotes and useful life
Multi-unit franchise funding: groups with several centers
Merchant cash advance for auto repair: card-driven repayment

## Common questions

### Can a VIOC group that bought refranchised stores apply?

Yes. We read the centers already operating under your entities. Centers just added are reviewed as their deposits build.

### Can I finance pit equipment for my Valvoline Instant Oil Change center?

Yes. Equipment financing is reviewed against a vendor quote and the useful life of the equipment.

### How is the lubricant supply bill treated?

As cost of goods. We read it next to deposits and size payments after it, along with royalty and advertising fund drafts.

### Do you fund VIOC centers in every state?

Merchant Fund Express serves all 50 states. Each entity is read on its own deposits.

### Are you affiliated with Valvoline Instant Oil Change?

No. Merchant Fund Express is independent. We use the Valvoline Instant 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 Valvoline Instant 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=valvoline-instant-oil-change