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Commercial laundry finance for hotels, care homes, laundrettes, hospitals, and fitness centres — tailored hire purchase, leasing, rental and refinance solutions from Gable Asset Finance.
Whether you run a busy hotel, a care home with high linen throughput, a self-service laundrette, a hospital department or a fitness centre, investing in modern, energy-efficient laundry equipment is essential to running a reliable and cost-effective operation. But buying high-quality commercial washers, dryers and finishing equipment outright can be a major capital strain.
Gable Asset Finance specialises in tailored laundry equipment finance and leasing solutions that enable businesses to acquire the equipment they need while protecting cash flow. Our options include hire purchase (HP), operating and finance leases, rental plans, and sale-and-leaseback or refinancing for existing machines. We also structure packages to include installation, servicing and upgrade options so your laundry operations remain productive and compliant.
Laundry equipment finance is a set of funding options designed to help businesses obtain commercial laundry assets without committing a large capital outlay. Instead of paying the full price upfront, you spread the cost over monthly instalments or rental payments. Gable Asset Finance offer structured packages that may include maintenance, warranties, staging and upgrades.
Commercial laundry finance suits a wide range of sectors and business models. Typical beneficiaries include:
We finance a comprehensive range of commercial and industrial laundry assets. This includes, but is not limited to:
Choosing finance for laundry equipment delivers multiple commercial advantages:
Best for: Businesses that want low monthly payments, access to regular upgrades, and prefer operating expense treatment.
Pros: Lower initial outlay, upgrades at the end of term, maintenance packages often included, predictable operating cost.
Cons: No ownership at term-end unless you exercise a purchase option (if available), potential overall cost higher than buying if kept long-term.
Best for: Businesses that want long-term use with ownership-like benefits but prefer the lessor to remain owner for residual risk.
Pros: Fixed payments, potential to buy at end, often finance for full asset value including installation and delivery.
Cons: Accounting treatment may place assets and liabilities on balance sheet; less flexibility than operating lease for frequent upgrades.
Best for: Businesses that want to own the equipment at the end of the term and benefit from capital allowances.
Pros: Ownership at term end, potential tax relief via capital allowances, predictable repayments, often lower overall cost if keeping long-term.
Cons: Typically requires a deposit, maintenance often not included (but can be arranged), higher monthly payments than leases for equivalent terms.
Best for: Businesses that can use capital allowances and prefer immediate ownership.
Pros: Full ownership, asset on balance sheet, ability to depreciate and claim capital allowances, no restrictions on use.
Cons: Upfront capital or security required, interest costs, and potential impact on borrowing capacity.
Best for: Businesses needing liquidity while continuing to use their equipment.
Pros: Unlock immediate working capital, keep operational continuity, can fund growth or refurbishment.
Cons: You pay rental to use equipment you previously owned; the net cost depends on lease terms and market conditions.
When planning equipment upgrades or new laundry installations, consider the following to ensure a smooth procurement and finance process:
Modern commercial laundry machines focus on energy efficiency, shorter cycle times and water savings. When calculating finance, consider total cost of ownership (TCO) rather than capital cost alone:
Many lenders take TCO into account, enabling slightly higher finance for equipment with demonstrable lower running costs because the business benefits from ongoing savings that support repayment.
Tax planning is a key part of choosing the right finance product. Below are practical pointers (seek professional advice for bespoke planning):
Assets purchased outright or via HP usually qualify as plant & machinery. The Annual Investment Allowance (AIA) often allows 100% relief on qualifying expenditure in the year of purchase up to the current limit — this can provide immediate tax relief and improve cashflow.
Operating lease rentals are generally deductible as business expenses for tax purposes. This makes leasing attractive for businesses wanting to reduce taxable profits each year with the added benefit of spreading payments.
VAT treatment varies by product: with HP and loans VAT is typically payable upfront on the purchase but may be reclaimed if VAT-registered. Leasing spreads VAT over rental payments which can help cash flow. Laundrettes and some hospitality businesses must consider partial-exemption VAT rules — consult your accountant.
Following modern lease-accounting standards (IFRS 16 / UK GAAP), many leases create right-of-use assets and lease liabilities on the balance sheet. This affects leverage ratios and covenant calculations, so discuss the implications with your finance team.
Example: Purchasing a £120,000 washer and dryer set under HP may allow you to claim capital allowances and reduce taxable profits in year one. Leasing the same package could treat the rentals as deductible operating costs. Which is better depends on your profit position, cashflow needs and balance-sheet strategy.
The examples below illustrate common structures — exact pricing depends on asset age, condition, business credit and term.
Requirement: 6 x coin-operated washers and 4 x dryers — capital cost £45,000.
Structure: 10% deposit, 48-month HP. Monthly payments affordable and ownership on final payment. Option to add service contract.
Requirement: 2 large-capacity washers, 2 tumble dryers, 1 flatwork ironer — capital cost £85,000.
Structure: Operating lease 60 months with full-service maintenance and replacement clause. Lower upfront costs and upgrades at term end.
Requirement: Washer-disinfectors, industrial dryers, water treatment unit — capital cost £350,000.
Structure: Blended finance packaging: HP for washer-disinfectors (to claim capital allowances) and finance lease for ancillary plant; installation and biocontainment works included in drawdown. Term 72 months to match asset life.
Requirement: Full tunnel washer line and automated folding conveyors — capital cost £1.2m.
Structure: Sale & leaseback on existing equipment to release working capital, plus new HP for tunnel line with staged drawdowns aligned to project milestones.
A family-run laundrette in a busy UK town needed new coin-operated machines to replace ageing stock. Gable Asset Finance arranged a 48-month HP deal with a small deposit and included a service package for the first 24 months. The new machines increased throughput and reduced energy costs, and turnover rose 22% in the first year.
A boutique hotel group upgraded in-house laundry to improve guest turnaround. We structured a 60-month operating lease covering washers, dryers, an ironer and a small water-recycling system. Monthly costs were offset by reduced outsourcing bills and energy savings, improving margins on banqueting revenue.
An NHS Trust required new washer-disinfectors and a water treatment plant. Using a blended finance model, we arranged HP for the washer-disinfectors and a short-term loan for the installation and decontamination works. The trust benefited from improved infection control and reduced operating risk.
A glamping operator added several lodge units and needed a reliable on-site laundry. Gable secured equipment leasing for compact industrial washers and dryers with seasonal repayment structuring to align with peak tourist months. The park achieved greater guest satisfaction and decreased outsourcing costs.
An outsourcing laundry company refreshed its tunnel washer and automation line with a £1.5m HP package. The new throughput capacity and automated folding reduced labour costs and improved delivery times, allowing the business to win additional municipal contracts.
To prepare a smooth finance application, gather the information lenders request:
Yes. Lenders will assess the condition, age, maintenance history and expected remaining useful life. Terms may be shorter than for new equipment and lenders may require inspection or valuation reports.
Many finance packages can include maintenance, servicing and extended warranties. Including maintenance in the payment makes budgeting for upkeep simpler and reduces downtime risk.
Yes — seasonal or bespoke repayment schedules can be arranged for businesses with clear seasonality (e.g. holiday parks, glamping sites or summer-peak laundrettes).
Simple HP or lease deals can be agreed within 7–14 working days once full documentation is provided. Complex projects involving installation, civil works or multi-asset purchases may take 4–8 weeks depending on surveys and approvals.
Many lessors provide upgrade paths or early termination options. Discuss upgrade clauses when structuring your agreement to avoid costly exit penalties.
Yes. Lenders often finance full plant-room projects, including boilers, HVAC, electrical upgrades and installation costs — provided the scope is well-documented and justified financially.
Yes. Sale & leaseback and asset refinance are common options to release capital tied up in existing equipment while continuing to use it operationally.
We act as your broker and project manager — liaising with manufacturers, installers and lenders to deliver a single coordinated outcome.
Contact Gable Asset Finance for a confidential, no-obligation equipment finance review. We’ll compare options and recommend a structure that protects cash flow and supports growth.
Whatever your laundry equipment and machinery needs you’ll find the right solution at Gable Asset Finance will help you find the right business finance and leasing solution so you can access it. Through an extensive list of business finance products and leasing options via an unrivalled range of funders we will work with you all the way.
Whatever the type of laundry our customers operate we can help such as:
Whatever the type of laundry equipment our customers operate we can arrange business finance and leasing on it such as:
We are proud to work with the following sectors arranging business finance and leasing so they access the laundry equipment they need:-
With a wide range of business finance and leasing options available, with different features and options designed to meet any business requirement, Gable Asset Finance can provide access to laundrette equipment finance to provide equipment and machinery to help you run your laundry more efficiently.