Laundromat Acquisition & Underwriting Model — SBA 7(a) DSCR, SDE & IRR (Excel + Google Sheets)

Description
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, using the underwriting logic lenders actually apply — 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 multiplied by turns per day and vend price, built group by group rather than one fake monthly average.
• Age-based capex reserve — remaining life and replacement cost per equipment group, so an aging fleet shows its real future bill instead of hiding behind a flat percentage.
• SDE reconstructed from the P&L and the implied multiple you are paying versus the 3.1 to 4.25x market band.
• DSCR the way the SBA reads it — CFADS (SDE minus owner pay minus reserves) over your debt service, against the 1.25x gate, with a BANKABLE verdict.
• Cash-on-cash return and a 5-year IRR with an exit at your chosen SDE multiple.
• Sensitivity grids — DSCR under revenue and utility-cost shocks, cash-on-cash under revenue and equity injection, color-coded.

What is inside:

• 10-sheet Excel workbook that also works in Google Sheets — no macros, no add-ins, no external links.
• START HERE sheet: your first underwrite in about 10 minutes, with only the amber input cells to fill.
• Editable deal and SBA financing inputs, machine fleet, revenue and expenses — all visible, no hidden formulas.
• Dashboard with KPI cards and charts, formatted to share with your lender or partners.
• Benchmarks sheet with sourced 2025-26 multiples, operating-cost percentages, equipment pricing and SBA terms.
• 16-page PDF user guide — quick start, sheet-by-sheet walkthrough, how an SBA lender reads your DSCR, and how the age-based capex reserve works.
  
  

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 own market data, and consult your professionals before buying a business or signing a loan.