Laundromat Acquisition & Underwriting Model (SBA 7a)

You found a laundromat for sale. The SBA lender wants numbers. This model is how you get them right.

Built for buyers acquiring an existing laundromat in the US with an SBA 7(a) loan — with the underwriting logic lenders actually use, not a generic "laundromat calculator". Enter the asking price, the machine fleet and the lease, and the workbook does the rest.

What it calculates for your deal:

• Machine-level revenue — washer and dryer counts × turns/day × vend price, built group by group (not one fake "monthly average")
• Age-based capex reserve — the cost a flat % hides: remaining life and replacement cost per equipment group, so an aging fleet shows its real future bill
• SDE reconstructed from the P&L and the implied multiple you're paying vs the 3.1-4.25x market band
• DSCR the way the SBA reads it — CFADS (SDE − owner pay − reserves) over your debt service, against the 1.25x gate, with a BANKABLE verdict
• Cash-on-Cash and a 5-year IRR with an exit at your chosen SDE multiple
• Sensitivity grids — DSCR under revenue × utility-cost shocks, cash-on-cash under revenue × equity injection, color-coded

What's inside:

• 10-sheet Excel workbook (works in Google Sheets too — no macros, no add-ins, no external links)
• START HERE sheet: your first underwrite in 10 minutes, only amber cells to fill
• Deal & SBA financing (equity injection, rate, 10-year term, optional seller note), machine fleet, revenue and expense inputs — all editable, all visible
• Dashboard with KPI cards and charts, formatted to share with your lender or partners
• Benchmarks sheet with sourced 2025-26 multiples, operating-cost %, equipment pricing and SBA terms
• 16-page PDF user guide — quick start, sheet-by-sheet walkthrough, how an SBA lender reads your DSCR, how the age-based capex reserve works, and where to find your real deal numbers

Why this one: every formula in this workbook is machine-verified — the full calculation graph is recomputed by three independent engines (including Excel itself) before release. Models that balance to the cent, every time.

Educational planning tool — not financial, investment or lending advice. Verify the seller's books and your market data, and consult your professionals before buying a business or signing a loan.