Laundromat Equipment Finance Australia - How to Fund Washers, Dryers and Fit-Out
By eCarz | 8th October 2026 (updated)
Quick answer: Laundromat equipment finance covers commercial washers, dryers, card payment systems, water heating, and fit-out through chattel mortgage or finance lease structures. Lenders assess business viability, lease tenure, location demographics, and equipment brand. Equipment Finance Specialists has placed laundromat finance across Australia and works with a panel of lenders to find the right structure. Confirm current panel size with the broker team before publishing.
The Australian laundromat market has transformed over the past five years. A single commercial washer-dryer set from Dexter, Speed Queen or Electrolux Professional starts at $8,000–$15,000. A full fit-out with 10–20 machines, payment systems, water heating, and shop fit typically runs $150,000–$400,000. Finance is how this industry works.
What Equipment Can Be Financed?
Commercial front-load washers, commercial tumble dryers (including stacked configurations), card and app-based payment systems, hot water systems including commercial heat pump units, and leasehold improvements – shopfitting, signage, CCTV, lighting, flooring. Some lenders include fit-out costs within the finance facility alongside equipment.
Chattel Mortgage vs Finance Lease for Laundromat Equipment
Under a chattel mortgage, you own the equipment from day one. GST is claimable upfront in the next BAS cycle. Interest and depreciation may be tax-deductible – speak to your accountant. This is the most common structure for established GST-registered operators.
Under a finance lease, the financier owns the equipment and leases it to you for the term. You claim GST across repayments progressively rather than upfront. At end of term you can pay the residual and keep the equipment by negotiation, return it, or refinance.
What Lenders Assess for Laundromat Finance
Lease tenure, location and demographics, equipment brand and residual value (Dexter, Speed Queen, and Electrolux Professional are well recognised), and business age and ABN history. For established operators, 2+ years of BAS and bank statements is the standard full-doc pathway.
Frequently Asked Questions About Buying a Car Privately
Loan amounts depend on the business case and security. Contact Equipment Finance Specialists on 1300 378 387 for a quote based on your specific situation.
Some lenders include leasehold improvements within the equipment finance facility. Discuss your full project cost – equipment plus fit-out – with us upfront.