Merchant Fund Express
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Inventory Funding for Laundromat Owners

Stock detergent, vending products, wash-and-fold supplies and spare parts at volume. A 5-minute application, about three months of statements, no tax returns.

Fund My Inventory

Laundromat Inventory

Buy in bulk without draining the operating account

Your supplier wants payment now. Your inventory sells over the coming weeks. We bridge that gap with funding sized to your deposits.

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 stock up with us

Quick and paper-light

Apply online in about 5 minutes with roughly three months of bank statements. Qualified businesses can be funded in as little as 24 hours.

More than a credit score

FICO 500+ is considered. Your store's steady deposits carry real weight in the decision.

Clear total cost

We show the full repayment amount in your offer before you accept. No surprise costs appear after signing.

Planned repayment

Your repayment schedule is laid out in the offer up front, so you can match it to how fast stock moves.

Waiting on deposits to land?

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.

Inventory in a business that sells time

Most people think a laundromat has no inventory. Owners know better. Detergent and softener for the vending machine, poly bags and hangers for wash-and-fold, snacks and drinks, spare belts, door gaskets and control boards: it all sits on a shelf and ties up cash before it earns anything.

Buying in bulk usually lowers your unit cost, but it also pulls a lump of money out of your account at once. Our inventory funding gives you the cash to buy at volume and spreads repayment across the weeks that inventory is actually selling.

Where the money typically goes

If you are growing a wash-and-fold or pickup service, supply needs climb fast. Stocking ahead keeps you from running out on a heavy Monday.

How we decide what you qualify for

We review about three months of business bank statements. We are looking for steady deposits and a clear picture of what you already pay out each month. No tax returns are required, and we start with a soft credit pull. FICO scores from 500 are considered, and sole proprietors can apply.

Amounts range from $25,000 to $5,000,000, but the right number for inventory is the one your deposits can comfortably repay while the stock sells through.

Pick the right product

For a single large order, working capital for laundromats is often the simplest fit. If your stores buy supplies every few weeks, a line of credit lets you draw only what each order needs. Stores with card-heavy revenue sometimes prefer revenue-based financing, where repayment tracks sales.

Start with a number

Know what your supplier order costs, then apply in about 5 minutes. Your offer spells out the full repayment amount and schedule before you accept anything.

Frequently Asked Questions

Is inventory funding worth it for small supply orders?

Our funding starts at $25,000, so it fits best when you are stocking several months of supplies, outfitting a new wash-and-fold operation or buying parts for multiple stores.

Can I fund inventory for more than one location?

Yes. If deposits from multiple stores flow through your business accounts, we look at the full picture.

Do I need supplier invoices?

Invoices help you request an accurate amount, but we base the decision mainly on your bank statements.

How quickly can I place my order?

Funding can arrive in as little as 24 hours for qualified businesses.

Does bad credit rule me out?

Not on its own. FICO scores from 500 are considered alongside your deposit history.

Bulk detergent $9,500.00
Vending stock $7,200.00
Fold supplies $5,800.00
Spare parts $14,000.00

Example uses for illustration only.

How to improve your chances

These steps help your inventory dollars work harder and strengthen your file.

  • Track which vending items actually sell each week
  • Keep supplier invoices organized by month
  • Run all store revenue through one business account
  • Reorder before you hit empty, not after

Inventory funding compared

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Hours of paperwork
Tax returns
Not required
Usually required
Credit range
FICO 500+ considered
Tight credit cutoffs
Funding speed
As little as 24 hours if qualified
Weeks of underwriting
Who can apply
Sole proprietors welcome
Often prefer corporations

Keep your shelves and vending full

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

Apply for Funding
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