For more than 40 years, Market Capital Lending has helped owners buy and build laundromats — part of the $375 million+ we've arranged for our clients. A laundromat is a special-use, owner-operated business with steady, semi-absentee cash flow, and the SBA is ideal for it: SBA loans can finance the space, the machines, and the business goodwill together. We're a veteran-owned, SBA-approved broker. Below, here's how laundromat financing works.
Why the SBA fits laundromats
Laundromats pair a fitted-out location with specialized equipment and reliable cash flow — a special-use business banks often avoid but the SBA is built for. An SBA loan can fund the lease build-out or real estate, the machines and payment systems, working capital, and the going-concern value of an existing laundromat, with a lower down payment and long term. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
What we finance
We arrange laundromat acquisitions, build-outs and new locations, equipment re-tooling and upgrades, and refinances. Buying an existing store? Our business acquisition expertise and complimentary cash-flow analysis help confirm it prequalifies for SBA 7(a) financing. For machines alone, see equipment financing.
Why choose Market Capital Lending
As a veteran-owned, SBA-approved broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we match your laundromat to a lender that finances the category and structure it to close. Start your application or call us.
Frequently asked questions
Can I use an SBA loan to buy a laundromat?
Yes. SBA 7(a) and 504 loans can finance the location, the machines, and the business goodwill together, with a lower down payment than conventional financing.
Can you finance the washers and dryers?
Yes — an SBA loan can include the equipment, or you can use standalone equipment financing for a re-tool.
Is a laundromat a good SBA candidate if it's semi-absentee?
Often, yes. Steady cash flow supports the loan; lenders look at the store's performance, your credit, and the deal structure.
What if a bank turned down my laundromat purchase?
Common with special-use businesses. With 40–50 lenders, we can often find one that finances laundromats.