Aqua Finance

Aqua Finance

Dealer-focused accounts receivable financing for dealers

Overview

Aqua Finance provides financing solutions that help dealers sell products by offering customer loans and credit programs. Its core offering is accounts receivable financing for a network of dealers, funding customers’ purchases and handling repayments over time while dealers manage cash flow. It expanded into financing for home improvement, HVAC, and recreational products, differentiating itself with a specialized dealer network and a focus on home-related durable goods supported by technology and capital backing. Its goal is to help dealers grow by expanding financing options and streamlining lending processes so more customers can finance purchases.

About Aqua Finance

Simplify's Rating
Why Aqua Finance is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

201-500

Company Stage

Acquired

Total Funding

N/A

Headquarters

Wausau, Wisconsin

Founded

1985

Get referred to Aqua Finance

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • August 2025 Wells Fargo retail financing expanded Aqua's recreational-product distribution with Brunswick, KTM, and Winnebago.
  • March 2026 2026-A securitization shows investor appetite for Aqua's marine and home-improvement assets.
  • 2026 OEM partnerships and AIMExpo expansion deepen dealer reach and support share gains.

What critics are saying

  • FTC settlement from 2024 still forces dealer monitoring, disclosures, refunds, and loan forgiveness.
  • Dealer misconduct can reappear quickly; another enforcement action would damage originations and OEM trust.
  • Aqua depends on securitizations like 2026-A and 2026-B; funding disruption threatens survival.

What makes Aqua Finance unique

  • 1986 Wausau origin gives Aqua deep dealer relationships across 50 states.
  • Aqua spans water treatment, home improvement, HVAC, marine, RV, and powersports financing.
  • February 2026 Truepic integration improves project verification and reduces funded-installation fraud.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$0

Below

Industry Average

Funded Over

1 Rounds

Acquisition funding comparison data is currently unavailable. We're working to provide this information soon!
Acquisition Funding Comparison
Coming Soon

Company News

SiMMS Motorsports Group, Inc.
Dec 31st, 2025
Aqua Finance, Inc. Continues to Expand Its Footprint at AIMExpo 2026

Aqua Finance, Inc. continues to expand its footprint at AIMExpo 2026. IRVINE, CA - December 31, 2025 - (Motor Sports NewsWire) - Aqua Finance, Inc. continues to expand its footprint as a leading indirect lender for powersport dealers nationwide. With a strengthened focus on strategic OEM partnerships, Aqua continues to increase dealer access to flexible and consumer-friendly financing solutions. This expanded collaboration with manufacturers is opening the door to a broader dealer network and greater visibility across the industry. Even as the market normalizes to pre-pandemic levels, Aqua is positioned for meaningful growth by capturing market share and delivering more value to dealers than competing lenders. Aqua's momentum is built on years of relationship-driven outreach and a commitment to providing simpler, faster, and better financing for dealers. Dealers benefit from a full spectrum lending approach that supports customers across a wide range of credit profiles, creating a true one-stop financing option. While Aqua offers modern tools like instant credit decisions, its team remains dedicated to providing real and human support whenever dealers need it. The company's balance of technology and personal service is a core differentiator, ensuring that every dealer interaction is efficient, responsive, and partnership focused. Since its founding in 1986, Aqua has steadily expanded into multiple verticals including home improvement, marine, pools and spas, RV, and powersports through consistent and organic growth. Today, Aqua's long-standing industry presence and dealer-first approach continue to drive strong relationships and long-term success. Visit us at booth 770 during AIMExpo 2026. About AIMExpo. AIMExpo is North America's premier powersports trade event, uniting the industry for three days of networking, education, and product launches. Produced by the Motorcycle Industry Council, the event features hundreds of exhibitors showcasing the latest in motorcycles, ATVs, side-by-sides, e-power vehicles, aftermarket parts and accessories, gear, technology, and business services. Held at the Anaheim Convention Center in Southern California, AIMExpo is the must-attend event for dealers, media, and industry professionals. Learn more at AIMExpoUSA.com.

Today in Gardening
Oct 25th, 2023
Brunswick Corporation Re-Defines Marine Consumer Financing with the Launch of Brunswick Finance, a New Private Label, Digital Retail Financing Solution

Brunswick Corporation will partner with Aqua Finance, a full-spectrum lender, with collaboration from Apollo.

InvestorsObserver
Feb 3rd, 2023
Aqua Finance Announces Senior Leadership Changes

Aqua Finance (“Aqua” or the “Company”) today announced that veteran financial executive Kurt Grossheim has been appointed Chief Executive Officer of the Company, succeeding Rich Morrin, who will remain with the Company as an advisor.

Recently Posted Jobs

Sign up to get curated job recommendations

Aqua Finance is Hiring for 2 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify. Browse all jobs →