Equipment Loans for Resort Pool and Fitness Center Upgrades

Resorts thrive on guest experience. From relaxing by the pool to exercising in a modern fitness center, amenities play a huge role in attracting new guests and encouraging repeat stays. But upgrading pools, spas, and gyms requires significant investment. High-quality pool equipment,  fitness machines, and wellness upgrades can cost anywhere from $50,000 to $500,000+.

For many properties, the best way to manage these costs is through equipment loans, which spread expenses over time while keeping amenities competitive.

Why Financing Makes Sense for Resort Upgrades

• High Capital Costs – Pools, spas, and fitness equipment represent major investments.

• Cash Flow Protection – Spread costs into predictable monthly payments.

• Revenue Growth – Modernized amenities drive higher bookings and guest satisfaction.

• Tax Advantages – Loan interest and depreciation may be deductible (consult a tax advisor).

• Competitive Edge – Updated facilities help compete with nearby resorts.

Equipment Commonly Financed for Resorts

✔ Pool & Spa Equipment – Heaters, pumps, filters, and poolside furniture.
✔ Fitness Machines – Treadmills, ellipticals, weight machines, and free weights.
✔ Wellness Amenities – Saunas, steam rooms, and hydrotherapy systems.
✔ Safety Systems – Pool lifts, ADA-compliant access equipment, and lifeguard tools.
✔ Lighting & Décor – LED pool lighting, mirrors, and flooring upgrades.

Loan Options for Resort Amenities

1. Traditional Equipment Loans

• Fixed payments and ownership from day one.

• Best for durable, long-term assets like pool systems.

2. Lease-to-Own Programs

• Lower upfront costs.

• Ownership transfers at the end of the lease.

• Ideal for fitness machines and spa upgrades.

3. Operating Leases

• Lowest monthly cost.

• Equipment returned or upgraded at lease-end.

• Useful for fast-changing gym technology.

4. SBA & Commercial Loans

• SBA 7(a) and 504 loans can finance larger property upgrades.

• Longer terms and competitive interest rates.

Example Loan Scenario

A mid-size resort plans to refresh its amenities:

• Pool Upgrades (Heaters & Pumps) = $60,000

• New Fitness Machines & Free Weights = $75,000

• Spa Sauna & Steam Room Installations = $40,000

Total Investment: $175,000

With a 7-year equipment loan at 6.5%, monthly payments are about $2,600. If upgrades help boost bookings by just 15 rooms/month at $200 each, that’s $3,000/month in added revenue—more than covering financing costs.

Tips for Successful Financing

✔ Bundle pool, spa, and gym equipment into a single loan package.
✔ Choose lenders with hospitality industry experience.
✔ Invest in energy-efficient pool and fitness equipment to lower operating costs.
✔ Align loan terms with seasonal resort revenue cycles.
✔ Track ROI through occupancy rates, guest reviews, and repeat bookings.

Final Thoughts

For resorts, upgrading pools and fitness centers isn’t just about aesthetics—it’s about creating memorable guest experiences that increase revenue. With equipment loans, hospitality businesses can modernize amenities, stay competitive, and manage cash flow all at once.