All About Business Loans And Laundromat Financing

By Amy Sullivan


When sourcing for the best idea of a business, laundromats probably come out on top. That is because you merely need an elbow grease at the beginning before you give rein and let things take their natural course. Before you get your head wrapped up in this idea, though, you would first have to know about the ways and means of laundromat financing.

Basically, laundromats are facilities wherein clothes, cloths, or some such materials and textiles are washed and dried. These may be manned or unmanned. For the latter, that mean that there can be no staff around to grant personalized professional help. That said, laundromats are very much popular with apartment dwellers, who have limited space, busy people with limited time, or just about any workaday person who do not own their own washing machines.

Your accounting schemes are also pretty much simplified, especially when you go for self service coin laundries. The owner may even be entitled to certain tax advantages, given the constant depreciation of your machinery and equipment. Most importantly, however, businesspersons in this field are nearly always assured of a very nifty ROI, the rates of which are higher and more impressive when held up to that of other investments, like convenience stores or car washes.

Financing firms are very nifty because they offer one the possibility of not having to pay the full price of a certain equipment upfront. But before you can even get yourself a leasing agreement, however, it is important to keep your financial documentation in good order. Also, you need to vamp up the reputation of your credit line, which has to be prepossessing for financiers.

If one does not have the necessary startup money, he can apply for a loan as a matter of fact. For this matter, however, you would have to further decide on whether you need standard financing, or else mere equipment leasing. Financing can be risky and expensive when compared to traditional bank rates.

Of course, since the lucrative outlook of this business is not exactly a secret, you may be contending with considerable competition in your area. In fact, there are nearly forty thousand laundry services in the whole country. That includes all the service and full service wash.

Also, the loan does not come right off the bat. You will need to pass application documents to your lender, composed of a credit application, bank statements and verification forms, personal financial statements and tax returns, signed sales agreement or ownership documents. Since these are essentially investors, you would also have to pitch in your business plan, such as demographic studies, location analysis, and cash flow forecast. Also, remember to throw in details that may stand out in your credit report, so that you may come across as credible and trustworthy.

Payments in this regard are usually calculated on a per pound basis, which is convenient and an undisputed point of compromise between owner and customer. Throw in different offers on drying and folding services. If you are really looking to customize, personalize, and give identity to your business, you may also want to source complimentary laundry bags and other knickknacks. Although these, together with pickup and delivery, require additional financing, they are also great sources of additional revenue.

Likewise, it would do to make sure that you end up with the most favorable terms. Getting a good lease comes with convenient options when you comprehensively consider rent space, equipment lease, and other subleases. The best business owners usually hope for is a five year option with a ten year lease. Make sure that all these considerations mesh well with each other. For instance, it is perhaps alright to pay relatively higher rent spaces if you are paying comparatively lower amounts for the equipment.




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