(800) 949-0401 Apply NowPool builders face massive upfront material and labor costs months before final payment -- Crestmont Capital provides fast working capital, equipment financing, and business loans to keep your projects moving and your company growing.
The swimming pool construction industry is booming. The residential pool market exceeded $14 billion in annual construction volume in recent years, driven by homeowners investing in outdoor living spaces. But building pools is capital-intensive -- and the financial structure of pool construction creates real cash flow challenges for pool contractors of all sizes.
A typical residential pool project costs $60,000 to $150,000 to build. Your contract may include a 10% deposit at signing, 30% at excavation, 30% at shell completion, and the final 30% at project completion -- which can be 4 to 6 months after signing. Meanwhile, you're purchasing materials upfront (gunite, rebar, tile, coping, equipment), paying subcontractors, and running heavy equipment that requires constant maintenance. As reported by CNBC, construction businesses are among the most capital-intensive small businesses in America.
When you have 8 pools under construction simultaneously, the cash flow requirements multiply. Buying $180,000 in materials for the month while waiting on $240,000 in progress payments from last month's milestones requires a strong capital position -- or the right financing partner.
A working capital loan gives pool builders immediate access to funds for materials, subcontractor payments, and operating expenses while milestone payments from clients are pending. Borrow from $10,000 to $500,000 with repayment terms of 3 to 24 months. This is the most commonly used product for pool contractors managing multiple simultaneous projects.
Equipment financing is ideal for pool builders needing to purchase or upgrade excavators, concrete pumps, gunite equipment, delivery trucks, trailers, and other heavy machinery. Finance up to $500,000 over 24 to 84 months. The equipment serves as collateral, making approval straightforward even for newer companies. Preserve your working capital for project costs while spreading equipment payments over years.
A business line of credit provides revolving access to funds you can draw as needed throughout your busy season. Draw $50,000 in March to fund spring project materials, repay in April when those milestone payments come in, and draw again in May for the next batch. Maximum flexibility for seasonal pool builders.
When you need to purchase materials immediately or your equipment breaks down in the middle of a project, fast business loans from Crestmont Capital deliver funds same-day in many cases. Don't let a capital crunch stop a profitable project mid-stream.
For established pool building companies looking to expand their fleet, open a second location, or acquire a competitor, SBA 7(a) loans provide up to $5 million at the lowest available rates with terms up to 10 years (25 years for real estate).
Don't let slow progress payments stall your construction schedule. Get fast financing from Crestmont Capital and keep every project on track.
Apply Now - Free Quote| Qualification Factor | Minimum Requirement | Ideal Profile |
|---|---|---|
| Time in Business | 6 months | 2+ years |
| Monthly Revenue | $10,000/month | $75,000+/month |
| Credit Score | 580 FICO | 650+ FICO |
| License | Active state contractor license preferred | Licensed and insured |
| Business Type | Pool builder, installer, renovator | Full service pool contractor |
| Outstanding Liens | Case by case | None |
A pool building company in Phoenix, Arizona had 6 pools under construction in April with a combined contract value of $720,000. The company had collected deposits and first milestone payments totaling $195,000 but needed to purchase $280,000 in materials (gunite, tile, coping, equipment) to keep all 6 projects on schedule. Using a $120,000 working capital loan from Crestmont Capital, the owner purchased materials for the most time-sensitive projects and maintained the construction schedule for all 6 pools. The loan was repaid within 60 days as completion milestone payments arrived.
A mid-sized pool contractor in Tampa, Florida was turning away 3-4 projects per week during peak season because they only had one excavator. A second excavator would cost $185,000. With equipment financing through Crestmont Capital at a term of 60 months, the monthly payment was approximately $3,800 -- but the second excavator enabled the company to take on 2 additional pools per week at an average profit of $18,000 per pool. The equipment paid for itself in its first month.
A pool construction company in Georgia experienced a slower-than-expected January and February. Revenue dropped from $180,000/month in peak season to $35,000/month in the off-season, but overhead remained at $55,000/month for equipment payments, insurance, and a small year-round crew. Using a $60,000 line of credit from Crestmont Capital, the company covered the gap through the slow months and repaid the line in full by June when the season ramped back up.
A pool builder in Las Vegas secured a partnership with a regional homebuilder to install pools in 40 new homes over 12 months -- a $3.6 million contract. But fulfilling the contract required purchasing $220,000 in additional equipment and hiring 8 new crew members. Through Crestmont Capital, the owner combined a $150,000 equipment loan and a $75,000 working capital loan, enabling them to fulfill the contract and double the company's annual revenue in a single year.
From equipment purchases to working capital, Crestmont Capital has the financing solutions pool builders need to take on more projects and grow faster.
Get My Free Quote| Product | Amount Range | Term | Speed | Best For Pool Builders |
|---|---|---|---|---|
| Working Capital Loan | $10K-$500K | 3-24 months | 24-48 hours | Materials, labor, project costs |
| Equipment Financing | $5K-$500K | 24-84 months | 2-5 days | Excavators, trucks, machinery |
| Line of Credit | $10K-$250K | Revolving | 24-48 hours | Seasonal cash flow management |
| Fast Business Loan | $10K-$500K | 3-24 months | Same day | Urgent material or repair needs |
| SBA 7(a) Loan | $50K-$5M | Up to 10 years | 30-90 days | Fleet expansion, acquisitions |
| Bad Credit Loan | $10K-$250K | 3-18 months | 24-48 hours | Contractors with credit challenges |
Crestmont Capital is the #1 rated business lender in the country and specializes in working with contractors and construction businesses. We understand the unique financial dynamics of the pool building industry -- including seasonal cash flow patterns, equipment needs, and project-based payment schedules. Here is why pool builders choose Crestmont:
As noted by the U.S. Small Business Administration, proper working capital management is essential for construction companies. Crestmont Capital is a trusted financing partner that helps pool builders maintain healthy cash flow throughout the construction cycle.
For pool builders who need capital urgently, check out our unsecured working capital loans -- no collateral needed, same-day approvals available.
Disclaimer: All loan products are subject to credit approval and underwriting review. Loan amounts, rates, and terms vary based on creditworthiness, time in business, and other factors. This page is for informational purposes only and does not constitute a commitment to lend. Crestmont Capital is an equal opportunity lender. Please review all loan agreements carefully before signing.
