Merchant Fund Express
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Equipment Financing for Laundromats

Upgrade washers, dryers and payment systems without draining your account. Apply in about 5 minutes, FICO 500+ considered.

Finance Equipment

Laundromat Equipment Financing

Replace tired machines before customers start going elsewhere

New washers and dryers keep customers coming back. We base offers on your store's deposits and show the full repayment amount before you accept.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why owners finance equipment with us

Quick and simple to apply

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO scores from 500 are considered, with real weight placed on your store's deposit history.

Total cost shown first

The full repayment amount is in your offer before you accept, with no surprise costs after you sign.

A clear repayment plan

Your repayment schedule is laid out in the offer up front, so you can budget around it.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Your machines are your business

In a laundromat, the equipment is the product. Customers notice when half the dryers have an out-of-order sign, and they notice when the store across town has larger washers that finish faster. Replacing machines is one of the most expensive things an owner does, and it rarely lines up with a pile of spare cash.

Equipment financing lets you spread the cost of new machines so you can upgrade without emptying the operating account.

What laundromat owners finance

For a single breakdown that needs a quick fix rather than a full replacement, see laundromat equipment repair funding.

Thinking through an upgrade

Before you finance a new row of machines, it helps to think through a few points:

Capacity and mix

Larger washers can attract customers with comforters and big family loads, while smaller units keep turnover high. Match the mix to who actually walks in.

Payment technology

Moving from coins to cards or apps changes how deposits show up in your bank account, which also makes your revenue easier to document.

Utilities

Newer machines may change how much water, gas and power the store uses. Factor that into your plan.

How we review equipment requests

We look at about three months of business bank statements to see your deposits and any existing obligations. Those factors shape the amount, which can range from $25,000 to $5,000,000. No tax returns are required, the application takes about 5 minutes, and we start with a soft credit pull. Qualified businesses can be funded in as little as 24 hours.

Every offer shows the full repayment amount and schedule before you accept.

Who can apply

Established laundromats with steady deposits, including sole proprietors and multi-store owners. FICO scores from 500 are considered. Planning a bigger move, like opening a second location? Read laundromat expansion funding, or go ahead and start your application.

Frequently Asked Questions

Can I finance used machines?

Tell us what you plan to buy on your application. We review each request based on your business and the equipment involved.

How much equipment financing can a laundromat get?

Amounts range from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Do I need a quote from the equipment seller?

Having a quote or invoice ready helps us understand exactly what you are buying and can keep the process moving.

What credit score is needed?

FICO scores from 500 are considered. Your deposit history is weighed alongside credit.

How fast can funds be available?

Qualified businesses can be funded in as little as 24 hours after accepting the offer and signing.

Can I bundle installation costs with the machines?

Let us know the full scope on your application, including delivery, installation and any plumbing or electrical work, so we can review the whole project together.

Washer row $95,000.00
Stacked dryers $72,000.00
Payment kiosk $34,000.00
Boiler replacement $48,000.00

Example uses for illustration only.

How to improve your chances

Owners planning an equipment upgrade can prepare with a few steps.

  • Get written quotes for the machines you want
  • Note the age and condition of current equipment
  • Keep store deposits flowing into one account
  • Plan for any utility or installation work involved

Equipment financing with us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy paperwork
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
High score expected
Speed
As little as 24 hours if qualified
Weeks or longer
Cost disclosure
Full repayment shown before signing
Varies by lender

Upgrade your laundromat equipment

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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