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Why Banks Don’t Typically Finance Pool Route Purchases: A Dive into the Pool Industry

Are you considering buying a pool route as a recession-proof business opportunity? While purchasing a pool route can provide a stable income stream, you may have noticed that banks don’t typically finance pool route purchases. In this blog post, we’ll explore why this is the case and what other financing options you may have.

What is a Pool Route?

Before we dive into the financing aspect, let’s first define what a pool route is. A pool route is a pre-established list of pool cleaning and maintenance clients that a pool service professional can purchase from an existing business or broker. By buying a pool route, you can skip the challenging startup process and jump straight into an established business with an existing client base. One of the biggest advantages of owning a pool route is the recurring revenue stream. Pool owners require weekly or bi-weekly cleaning and maintenance services, which means a consistent income for pool service professionals.

Why Banks Don’t Typically Finance Pool Route Purchases

So, why don’t banks typically finance pool route purchases? The answer lies in the nature of the pool industry. Pool routes are considered a risky investment because they are heavily reliant on the pool owner’s discretionary income. In other words, if the economy takes a downturn, pool owners may cut back on their pool maintenance services, which can directly impact the income of pool service professionals. Additionally, pool routes are often sold as cash transactions, which means there is no collateral for banks to secure their loans.

Other Financing Options

While banks may not typically finance pool route purchases, there are other financing options available. Here are a few to consider:

  • Seller Financing: Some pool route sellers may be willing to finance the purchase themselves. This can be a win-win situation for both parties, as the seller can earn interest on the loan and the buyer can avoid the strict lending requirements of banks.
  • Alternative Lenders: Alternative lenders, such as online lenders and peer-to-peer lending platforms, may be more willing to finance pool route purchases than traditional banks. However, these lenders often charge higher interest rates and fees.


In conclusion, while banks don’t typically finance pool route purchases, there are other financing options available. Pool routes can provide a stable income stream, but it’s important to do your due diligence and consider all financing options before making a purchase. As always, it’s best to consult with a professional business broker, such as Sealey Business Brokers, to guide you through the process and help you make an informed decision. So, take the plunge and dive into the world of pool service – your bank account will thank you!

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