SBA 7(a)/504 FOIA · FY1991–PRESENT · NORTH CAROLINA
All Tune and Lube franchise in North Carolina: what the public record shows
Franchisees of All Tune and Lube in North Carolina have taken 11 SBA loans since 1991 (average $82,686)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 42.3% is the better guide.
Loans in NC
11
Resolved
8
Local charge-off
thin
National charge-off
42.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NC. 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 of 30 loans.
Businesses in this industry
3,367
statewide, all operators
Per 100k residents
30.5
national 30.2
Versus the country
+1%
denser
Every business in All Tune and Lube's industry operating in North Carolina — 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 NC | Local charge-off | Units in NC |
|---|---|---|---|
| Meineke | 39 | 9.7% | — |
| Aamco Transmissions | 19 | 16.7% | — |
| Exxon | 18 | thin | — |
| Grease Monkey | 16 | 0.0% | — |
| Cottman Transmission | 15 | 9.1% | — |
| Christian Brothers Automotive | 10 | thin | — |
| Speedee Oil Change & Tune-Up | 10 | thin | — |
| Maaco Auto Painting Center | 9 | thin | — |
| Pirtek | 7 | thin | — |
| Citgo Service Station | 6 | thin | — |
| Midas Muffler Shop | 6 | thin | — |
| Shell Service Station | 5 | thin | — |
Same sector, same state, same public records — how All Tune and Lube compares to the systems a buyer in North Carolina 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 →