GEORGIA · NAICS 812310
Georgia laundromat projects pencil against dense metro and suburban submarkets with strong unit economics. Studies translate machine count, turn rate, wash-dry-fold capture, and route economics into defensible projections, and resolve utility and equipment cost against the local rent structure.
FEASIBILITY TRIGGER
Cash-flow-underwritten deals where lenders require utilization analysis when operating history is thin.
From FY2010 through FY2026, Georgia recorded 78 SBA-disbursed laundromat loans across the 7(a) and 504 programs, representing $45.9 million in approved financing at an average loan size of $589,000. The state sits at rank #10 of 38 for laundromat SBA lending volume and holds 2.7% of the national laundromat dollar pool. 7(a) accounts for 91.0% of the count, 504 for the rest, with 16 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 78 |
| Approved volume | $45.9 million |
| Average loan size | $589,000 |
| 7(a) share | 91.0% |
| Approvals since FY2024 | 16 |
| State rank by loan count | #10 of 38 |
Among the 50 seasoned loans in this segment (approvals FY2010–FY2021), 14.0% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for laundromat is 4.0%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 14.0% adverse-resolution rate against the national laundromat benchmark of 4.0% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Georgia deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $589,000 across 78 loans.
Every Georgia laundromats project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Georgia projects most often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Metro Atlanta's dense, growing submarkets carry strong laundromat unit economics.
For a national view of this asset class, see our laundromat SBA feasibility overview, and read our related analysis in the laundromat lending research on our blog.
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