Answer 8 questions about your deal: purchase or build, total capital need, down payment available, credit score range, time in business, current cash flow, equipment age (if buying existing), and timeline. The matcher routes you to the best-fit funding type — SBA 7a, SBA 504, equipment financing, working capital line, real estate loan, seller financing, or hybrid stacks — and connects you with the right AAdvantage funding partner.
Five Funding Types Covered
1) SBA 7a (general purpose, $50K–$5M, requires 10% down typical). 2) SBA 504 (real estate + equipment, lower rates, 10% down + lender financing). 3) Equipment Financing (machine-only, asset-secured, can be $0 down). 4) Working Capital Lines (operating cash for existing operators). 5) Real Estate Loans (commercial mortgage for the building). The matcher explains why each fits your deal — not just which to pick.
Why Use the Matcher vs. Calling a Bank
Most banks don't understand laundromats. They underwrite based on retail or restaurant comps and routinely undervalue deals or refuse applications that an SBA-fluent laundromat lender would approve. The AAdvantage funding network specializes in this asset class — they know the equipment values, the cash-flow patterns, and the typical deal structure. Higher approval rates, better terms, faster close.
Frequently Asked Questions
Is the matcher actually free?
Yes — completely free. WashBizHub earns a referral fee from funding partners only when you successfully close a loan. There's never a fee to you for using the matcher or being introduced to a lender.
What credit score do I need?
Minimum 650 FICO for SBA 7a. Equipment financing can go down to 620 with a stronger down payment. Working capital lines typically require 680+. The matcher will tell you which products you qualify for based on your inputs and won't surface options you can't access.
How long until I have funding?
Equipment financing: 7–14 days typical. SBA 7a: 45–90 days from complete application to funding. Working capital: 5–10 days. Real estate loans: 60–120 days. The matcher gives you a timeline estimate based on your funding type so you can plan around it.