WISCONSIN · NAICS 812310
Wisconsin laundromat deals are cash-flow-underwritten, with lenders requiring utilization analysis when operating history is thin. Packages turn on a credible model of turns per machine, water and utility costs, and trade-area density against the Milwaukee, Madison, and Fox Valley metro bases.
FEASIBILITY TRIGGER
Cash-flow-underwritten deals where lenders require utilization analysis when history is thin.
Wisconsin generated 48 SBA-disbursed laundromat loans between FY2010 and FY2026, worth $21.3 million in approved 7(a) and 504 financing at an average of $443,000 per deal. Ranked #13 of 38 states for laundromat SBA volume, the state captures 1.3% of national laundromat dollars. 91.7% of the loans ran through 7(a) with 504 covering the remainder; 4 approvals have posted since FY2024.
| Disbursed loans (FY2010–FY2026) | 48 |
| Approved volume | $21.3 million |
| Average loan size | $443,000 |
| 7(a) share | 91.7% |
| Approvals since FY2024 | 4 |
| State rank by loan count | #13 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned laundromat loans (approvals FY2010–FY2021) show an adverse-resolution rate of 4.0%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 4.0%, close to the national laundromat benchmark of 4.0%, puts Wisconsin deals in this class on ordinary SBA credit footing. Across 48 loans averaging $443,000, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Wisconsin 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.
Wisconsin projects often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, and SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Wisconsin metro markets in Milwaukee, Madison, and the Fox Valley support the trade-area density laundromat models depend on.
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.
Compare neighboring markets: West Virginia, Wyoming, Texas.
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