Funding for Pool Service Companies

Whatever the business needs. Common uses are buying routes and account books, stocking chemicals, fronting equipment replacements, buying or replacing trucks, mobilizing on resurfacing and renovation projects, payroll through a slow winter, waiting out commercial invoices, and expansion. There is no product to choose before you apply. Send one application and we will tell you what is available.

Approvals generally fall between $10,000 and $500,000. Monthly revenue and how long the company has been operating drive the number far more than any single credit score.

Yes, and it is one of the most common requests we see. Routes change hands at several times their monthly revenue, so the purchase price is close to a year of the billing you are buying, and between the finance cost and the accounts that quietly drop after a handover it can run past a year before the route is genuinely profitable. Working capital and business or SBA loans are both used to fund the purchase and carry it to that point.

Yes. Chemicals and supplies are consumed on the route before the month is billed, and on a repair the pump, heater, filter, or salt cell is bought at full price and installed before anything is invoiced, which makes the company the customer's financier for the length of that gap. Working capital covers it, including when a supply squeeze or a price jump lands mid-season.

Yes. In seasonal markets the year opens and closes with a labor-heavy rush, and the stretch in between is thin on revenue while payroll, insurance, and truck payments continue at full price. Funding covers that stretch so a technician who knows your route is still on the truck when the openings start again.

Yes. Equipment financing runs terms as long as 60 months and is secured by the asset itself, which generally makes approval easier to reach. Service trucks, trailers, and the gear a route runs on all qualify, including an urgent replacement for a vehicle that has gone down.

Hotel, HOA, and property-management pools are the accounts that flatten out a seasonal year, and they are billed rather than collected on the spot, usually on 30 to 60 day terms. The chemicals, the technician's hours, and the fuel were paid for weeks before that invoice settles. Invoice factoring can release the cash held in those invoices, or working capital can simply carry the wait.

No. What we provide goes to the company, never to the pool owner. It covers routes, chemicals, equipment, and payroll, and it is not a consumer financing program, even on a full equipment replacement or a resurfacing project. If you already offer customer financing on those jobs through a separate provider, this simply funds your side of the same work.

Yes. We work right across the home service trades, from pest control and landscaping through to plumbing, electrical, HVAC and roofing. There is an overview of all of it on the Home Services page.

No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.

Approval typically comes within 4 to 8 hours, with funds following shortly after. A route that comes on the market, or a customer's heater that dies in June, will not wait out the weeks or months a bank or SBA process takes.

All credit profiles are considered. A bank cannot take a route as security, because a customer list is not collateral it recognizes, so we look instead at what the business bills every month. Most pool service businesses we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue.