Aqua Finance

Dealer Financing

Aqua Finance, also known simply as Aqua, has delivered fast, flexible financing solutions to dealers across the United States for over 35 years. Aqua specializes in consumer financing for water treatment systems, home improvement projects, HVAC, pools and spas, and recreational, marine, and Powersports products. Aqua’s core mission is to simplify the financing process, enabling dealers to close more sales and better serve their customers, driving business growth and success.

Aqua Finance's Foundation: Serving Dealers for Over Three Decades

Founded in 1986 in Wisconsin, Aqua Finance aims to make financing accessible and efficient. Over the years, Aqua has expanded its services nationwide, partnering with over 5,000 dealers in all 50 states. Aqua manages a portfolio exceeding $2.8 billion today and supports over 365,000 active customers. Aqua’s success is primarily driven by its commitment to creating flexible, dealer-first financing solutions that empower businesses to grow and prosper.

What sets Aqua apart is its unique approach to evaluating financing applications. Aqua doesn’t rely solely on traditional lending criteria; instead, the company offers financing solutions to a broader range of customers, helping dealers close more sales and provide financing to customers with varying credit profiles.

Tailored Financing Programs for Different Industries

Aqua Finance provides specialized financing solutions designed to meet the unique needs of various industries. Aqua’s programs ensure dealers have the support to close more sales and effectively serve their customers across diverse markets.

Water Treatment Solutions

Aqua enables water treatment dealers to offer financing for essential systems like filtration, softeners, and whole-home solutions. Aqua’s affordable payment options make clean and safe water more accessible for homeowners, helping customers invest in water treatment systems without delay.

Home Improvement Projects

Aqua helps contractors provide financing options for homeowners looking to complete renovations, including roofing, windows, and concrete work. Aqua’s programs allow homeowners to finance necessary upgrades without compromising their savings, while contractors benefit from larger, extensive projects and increased sales.

HVAC System Financing

Aqua’s financing options make it easier for HVAC dealers to offer customers affordable payment plans for system replacements. With quick approval times and low monthly payments, Aqua ensures dealers can provide immediate solutions when customers face HVAC failures or need upgrades.

Recreation, Marine, and Powersports

Aqua offers financing for high-ticket recreational products like boats, trailers, ATVs, and RVs. Aqua’s solutions make big-ticket purchases more affordable, helping seasonal businesses maintain strong sales and providing customers with manageable monthly payments for recreational items.

Key Features of Aqua Finance: Why Dealers Choose Aqua

Aqua Finance offers several key features that make it the preferred choice for dealers nationwide. The company’s dealer-focused approach, fast and efficient process, and comprehensive financing options provide several distinct advantages:

Quick Credit Approvals: Aqua offers instant credit decisions in less than 60 seconds, allowing dealers to move forward with sales while customers are still present, enabling fast and efficient deal closures.
Flexible Financing Terms: Aqua provides fixed monthly payments with no prepayment penalties, giving customers greater flexibility to manage their costs and enabling dealers to close more significant deals quickly.
Streamlined Application Process: Aqua’s simple application process, available through the Dealer Portal or AppOne system, reduces paperwork and improves efficiency. Dealers can submit applications and keep the sales process moving quickly.
Electronic Funding: Aqua handles the entire funding process electronically, ensuring dealers receive direct funding in their business accounts after signing necessary documents and streamlining the transaction process as a whole.
Full Spectrum Financing Options: Aqua serves customers with a wide range of credit profiles, offering dealers one-stop financing solutions for all customer needs. This eliminates the need to work with multiple lenders and simplifies the process.
Ongoing Dealer Support: Aqua offers comprehensive support, including training and resources, ensuring dealers can maximize the effectiveness of their financing programs. Aqua’s dedicated team is always available to assist dealers in their sales process.
Industry-Specific Expertise: Aqua’s in-depth understanding of the industries it serves allows the company to provide financing solutions tailored to meet the specific challenges and opportunities dealers face.

How Aqua Finance Works: A Simple and Efficient Process

Aqua Finance offers a streamlined and efficient process, allowing dealers to secure approvals and funding quickly, reducing delays and keeping the sales momentum strong:

Dealers submit customer applications through Aqua’s secure Dealer Portal.
Credit decisions are made instantly, allowing dealers to move forward with the sales process without delay.
Documentation is completed electronically, reducing the paperwork and increasing the speed of the process.
Signed documents are submitted for final review.
Aqua provides direct funding to the dealer’s business account, ensuring quick access to capital.

Aqua’s Key Milestones: A Path of Continuous Growth

Aqua Finance has achieved several significant milestones throughout its history, reflecting its ongoing growth and commitment to providing excellent financing solutions to its dealer network:

1986: Aqua Finance was founded in Wisconsin.
2003: Aqua entered the HVAC market.
2005: Aqua surpassed 100,000 active customers.
2011: Aqua expanded into home improvement and marine industries.
2013: Aqua began serving dealers in all 50 states.
2014: Aqua added pools and spas to its offerings.
2016: Aqua integrated with AppOne to improve operational efficiency.
2017: Aqua’s portfolio reached $1 billion.
2019: Aqua’s portfolio grew to $2 billion.
2021: Aqua formed strategic partnerships with Athene and Apollo.
2022: Aqua’s portfolio surpassed $2.8 billion, serving over 365,000 active customers.

These milestones highlight Aqua’s continued expansion and dedication to delivering exceptional financing solutions to dealers nationwide.

Aqua Finance’s Vision for the Future: Continuing Innovation and Dealer Support

Looking ahead, Aqua Finance remains committed to growing its services and providing innovative financing solutions for dealers. The company will keep enhancing its technology, refining its financing programs, and providing dealers the tools to succeed. Aqua’s focus on dealer success ensures it will remain a trusted and valuable partner for years.

Aqua Finance offers flexible and efficient financing solutions that help dealers close more sales and serve their customers effectively. With quick credit approvals, a streamlined application process, and flexible financing options, Aqua makes it easier for dealers to grow their businesses and achieve success. Whether you are in water treatment, home improvement, HVAC, or recreation, Aqua Finance provides the resources and support needed to take your business to the next level. Discover the Aqua difference today and see how Aqua can help you grow your business.

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