Capital For Machines, Acquisitions, and Slow Weeks.
A laundromat is an equipment business with a lease attached — and most banks underwrite it like a retail shop. We place laundry owners with partners who understand machine life cycles, utility load, and deposit patterns, whether you are buying your first store, replacing a bank of dryers, or carrying payroll through a soft month.
Store acquisitions & second locations Washer, dryer & boiler replacement Deposit-driven underwriting
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Four ways laundromat owners get funded
Most laundry files are placed as one of these structures — or a blend, when the equipment and the working capital need different treatment.
Equipment Financing
Best for washers, dryers, boilers, water heaters, and card or app payment systems.
- How it underwrites
- The machines carry much of the collateral weight, which widens approvals for newer stores.
- Terms
- Typically 24 to 72 months, structured so the machines earn while they are paid for.
- Also covers
- Installation, plumbing, and electrical work on many programs.
Store Working Capital
Best for utilities, payroll, repairs, and marketing pushes between strong months.
- How it underwrites
- Deposit consistency across a full year rather than a single slow month.
- Speed
- Commonly funded in 24 to 72 hours once bank statements are in.
- Repayment
- Fixed term schedules or revenue-based repayment that flexes with collections.
Acquisition & Expansion Capital
Best for buying an existing laundromat, adding a second store, or purchasing your building.
- Programs
- SBA 7(a) and 504, conventional commercial mortgages, and conventional term loans.
- Timeline
- Longer review — usually weeks, not days — in exchange for the lowest available pricing and longest terms.
- Documents
- Seller financials, lease or purchase agreement, equipment list, and your operating history.
Remodel & Re-Tool Capital
Best for a full store refresh — flooring, lighting, seating, signage, and a machine swap.
- Structure
- Commonly a blend of equipment financing for the machines and term capital for the build-out.
- Why it works
- A documented remodel with a clear revenue case reads far better than a general cash request.
- Lease note
- Remaining lease term generally needs to outlast the financing.
What laundromat owners actually fund
These are the requests that come across the desk most often from laundry owners.
A bank of dryers fails
Replace machines quickly instead of losing turns during your busiest hours.
Buying your first store
Finance the acquisition using the store's own performance and your operating plan.
Boiler or water heater replacement
Fund the infrastructure the whole store depends on without draining reserves.
Card and app payment upgrade
Move off coin, raise average ticket, and make future files easier to underwrite.
Adding wash-dry-fold
Fund staffing, folding stations, and marketing for a higher-margin service line.
Second location
Use the performance of the store you already run to open the next one.
Laundromat Financing Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and uses a soft credit pull.
What this calculator works out
This laundromat financing calculator estimates how a laundry store measures against typical lending requirements using monthly revenue, months in business, and credit score.
Laundry selection criteria
Requirements vary widely by program. These are the general ranges across the partner network.
Time in business
Six months or more for revenue-driven programs; two years or more opens the lowest-cost structures. Acquisitions are reviewed on the seller's history plus your background.
Revenue
Consistent deposits matter more than a single strong month. Many programs start around $15,000 in monthly revenue.
Credit profile
500+ can be placed on volume-driven programs. 650+ widens options considerably, and SBA structures expect stronger profiles.
Documents
Three to six months of bank statements, your lease, and an equipment list. Full files add tax returns and a debt schedule.
What underwriters look at in a laundry file
Laundromats are read differently than most retail. Knowing what gets checked changes how a file is packaged.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Deposit consistency
A steady pattern across twelve months reads stronger than one record month followed by thin ones.
Coin versus card mix
Card and app collections are easier to verify and open programs a coin-only store cannot access as easily.
Machine age and mix
An equipment list with ages and capacities shows whether the request is maintenance or growth.
Utility load
Water, gas, and power costs are a real part of laundry margin, and lenders expect them documented.
Lease term remaining
For build-outs and machine purchases, remaining lease term needs to outlast the financing.
Use of funds
A specific, revenue-producing use — machines, remodel, acquisition — reads far better than general cash.
Questions, Answered
Yes. Acquisitions are financed regularly. Bring the seller's financials, the lease, the equipment list, and your operating or management background. SBA and conventional structures both fit depending on your timeline.
Coin-heavy stores can be. Deposit history is what underwriters read, so consistent bank deposits matter more than the collection method. Card and app payment systems make a file noticeably easier to place.
Yes. Commercial washers, dryers, water heaters, boilers, and payment systems are financed as equipment, where the machines themselves carry much of the collateral weight.
Remodels, flooring, lighting, seating, and full equipment replacements are commonly funded through a blend of equipment financing and working capital.
Working capital commonly funds in 24 to 72 hours once bank statements are in. Equipment and property-related files typically take 3 to 10 business days.
Yes. Wash-dry-fold operations, commercial linen routes, dry cleaners, and multi-store owners are all placeable across the partner network.
Fund Your Laundromat
One application, matched against 50+ lending partners. Soft credit pull to start, and no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015