SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
All Tune and Lube franchise in Georgia: what the public record shows
Franchisees of All Tune and Lube in Georgia have taken 16 SBA loans since 1991 (average $130,166), and of the 12 loans whose story has ended, 58.3% were charged off — versus 42.3% for All Tune and Lube nationally and 14.8% across all rateable franchise brands.
Loans in GA
16
Resolved
12
Local charge-off
58.3%
National charge-off
42.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
2,847
statewide, all operators
Per 100k residents
25.5
national 30.2
Versus the country
-16%
thinner
Every business in All Tune and Lube's industry operating in Georgia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| Chevron (Gas Station) | 47 | 3.1% | — |
| Meineke | 43 | 29.6% | — |
| Shell Service Station | 34 | 12.0% | — |
| Texaco Service Station | 26 | 5.9% | — |
| Aamco Transmissions | 24 | 46.7% | — |
| Christian Brothers Automotive | 24 | 0.0% | — |
| Maaco Auto Painting Center | 23 | 10.0% | — |
| Citgo Service Station | 21 | 0.0% | — |
| Amoco (Gas Station) | 11 | thin | — |
| Midas Muffler Shop | 10 | thin | — |
| Exxon | 8 | thin | — |
| Chevron - Retail Supply Contract | 7 | thin | — |
Same sector, same state, same public records — how All Tune and Lube compares to the systems a buyer in Georgia would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing All Tune and Lube's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →