Laundromat Equipment Financing
Direct answer
RCR International Finance LLC finances laundromat and on-premise laundry equipment for self-service laundromats, hotels, healthcare facilities, and multifamily properties, including washers, dryers, and payment systems. Funding can cover a new store buildout or an equipment replacement through an equipment loan or lease, often using the equipment as collateral. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the quote.
10 to 15 years
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how laundromat equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances laundromat and on-premise laundry equipment for self-service laundromats, hotels, healthcare facilities, and multifamily properties, including washers, dryers, and payment systems. Funding can cover a new store buildout or an equipment replacement through an equipment loan or lease, often using the equipment as collateral. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the quote.
Plan ahead
Estimate your payment
Model a monthly payment for laundromat equipment before you apply.
Open the estimatorWhat laundromat equipment you can finance
A representative sample of eligible assets in this category.
- Commercial front-load washers
- Multi-load and mega-load washers
- Stacked and single-pocket dryers
- Card, coin, and mobile payment systems
- Water heaters and boilers for laundry
- Folding tables and laundry carts
- Card readers and store management systems
Financing laundromat equipment: the basics
RCR International Finance LLC arranges laundromat equipment financing for businesses acquiring commercial laundry equipment. Because the asset secures the deal, laundromat equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New laundry equipment typically qualifies for longer terms and full warranties on the motor and controls, which suits high-cycle laundromats. Used and refurbished washers and dryers are commonly financed and valued on cycle count and condition. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership in durable laundry equipment that can run for many years, which fits store owners planning a long tenure. A lease can ease the upfront cost of a full store buildout and preserve working capital. The right structure depends on cash flow, premises tenure, and tax planning.
Loan vs lease: which fits this asset?
Both options finance laundromat equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Freight and delivery to the store
Roll freight and delivery to the store into the financed amount where the structure allows.
Installation, plumbing, gas, and electrical hookup
Roll installation, plumbing, gas, and electrical hookup into the financed amount where the structure allows.
Payment systems and store management software
Roll payment systems and store management software into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Extended warranty or service contracts
Roll extended warranty or service contracts into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the laundromat equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance laundromat equipment
- Signed equipment quote or project invoice
- Three to six months of recent business bank statements
- Most recent business tax return
- Specifications: washer and dryer counts and capacities
- Driver's license or government-issued ID of the owner
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance laundromat equipment
Key takeaways
- Laundromat Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as freight and delivery to the store and installation, plumbing, gas, and electrical hookup can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance laundromat equipment for your business
RCR International Finance LLC can help you compare loan and lease options for laundromat equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Laundromat Equipment financing FAQs
- Can a full laundromat buildout be financed at once?
- Yes. Washers, dryers, payment systems, and installation can be financed on one project quote and valued together. The structure is determined during underwriting and approval.
- Is plumbing and utility hookup covered in the financing?
- Installation, plumbing, gas, and electrical hookup can often be included as soft costs when they appear on the same project quote. Inclusion is determined during underwriting.
- Do you finance on-premise laundry for hotels and healthcare?
- Yes. On-premise laundry for hotels, healthcare, and multifamily is financeable through an equipment loan or lease, subject to underwriting based on the equipment and your business profile.
- Can used or refurbished laundry equipment be financed?
- Used and refurbished washers and dryers are commonly financed and valued on cycle count and condition. We typically request model details and an inspection, subject to underwriting.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.