Short answer
If you operate a Valvoline Instant Oil Change center, Merchant Fund Express funds it from $5,000 to $5,000,000 using working capital, equipment financing, a line of credit, revenue-based financing, an MCA or a business loan. Owners use it for pit equipment, crew payroll, tire and battery service gear and refreshing centers bought from the company. A complete file usually gets a decision in 2–4 hours.
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 structure below, from $5,000 to $5,000,000, on one application. Terms depend on the business's revenue and history.
| Product | What it does at a Valvoline Instant Oil Change location |
|---|---|
| Business loan | A lump sum for a planned refresh, for example after taking over a center. |
| Merchant cash advance | Fast funds repaid from card deposits, smaller on slow days. |
| Revenue-based financing | A payment that tracks monthly sales through traffic swings. |
| Line of credit | A limit to absorb product cost changes and stock orders. |
| Equipment financing | Pumps, reels, tire and battery service equipment on a quote. |
| Working capital | Crew wages and day-to-day costs between deposits. |
What Valvoline Instant Oil Change owners call about
Speed of service
Stay-in-your-car service in about 15 minutes depends on pumps, reels and a full crew every hour.
Stores bought from the company
Valvoline sold dozens of company stores to franchise partners; a newly acquired center often needs updates.
Lubricant pricing
Supply pricing for operators tracks material costs, so what oil costs can move.
Broader maintenance
Batteries, bulbs, wipers and tire rotations add revenue and need tools and stock.
Fastest fit for each Valvoline Instant Oil Change need
| The need | Usually fits | Send with the application |
|---|---|---|
| Refresh a center you took over | Business loan | Scope and contractor bid |
| Pump or reel failure | Equipment financing | Replacement quote |
| Product cost jump | Line of credit | Supplier invoices |
| Payroll in a slow month | Working capital | Payroll total |
| Revenue swings by season | Revenue-based financing | Three months of statements |
How a Valvoline center gets a quick decision
Valvoline Inc. franchises the brand directly. Its annual report counts 2,180 service centers in the U.S. and Canada, with franchisees running 53% of them, and notes 67 stores sold to franchise partners across fiscal 2024 and 2025 plus 10 more in October 2025. Royalties are a contractual share of sales, and franchisees pay into an advertising fund.
Merchant Fund Express reads each center on its own deposits, counts the royalty, ad fund and current payments, and sizes a payment that fits. If you recently took over company stores, say so; a short deposit history under your entity is read with that context.
How fast it moves, and what to send
- Apply in about 4 minutesName Valvoline Instant Oil Change as the brand, the amount and the job the money does.
- Send three months of statementsBusiness bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursA specialist reads deposits and current payments, then returns the fit.
- FundsSame-day funding is available; funding often lands the next business day.
A Valvoline Instant Oil Change file, start to finish (hypothetical)
A franchise partner bought three Valvoline centers from the company last year and wants to update signage, waiting areas and one aging pit system. They ask for $90,000, split by center. A specialist could fund the pit system on equipment financing and the refresh with a business loan sized on the combined deposits of the entity that owns the centers.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Valvoline Instant Oil Change at a glance (public sources)
From Valvoline Inc.'s annual report for fiscal 2025. The franchise disclosure was not reached, so the initial fee, royalty rate, ad fund rate and investment are left out.
Sources: SEC filing · viocfranchise.com. Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
I just bought centers from Valvoline. Can I apply?
Yes, once the centers are depositing under your entity. Note the purchase date so the deposit history reads correctly.
Can I fund a refresh across several centers?
Yes. If one entity owns them, apply once; if each sits in its own LLC, apply per entity.
Can I finance pit equipment?
Yes. Send the replacement quote with the application.
How fast will I know?
Usually 2–4 hours on a complete file, with same-day funding available.
Are you affiliated with Valvoline Instant Oil Change?
No. We have no business tie to Valvoline Instant Oil Change or the company that franchises it, and neither has endorsed us. The name is on this page only so Valvoline Instant Oil Change owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Valvoline Instant Oil Change or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.