Swimming pool finance: filtration, heating, and leisure pool equipment
Commercial swimming pools require substantial capital investment in filtration, heating, changing facilities, and poolside equipment. Sorbus Finance can consider asset finance and business loan options from its panel of 150+ UK lenders for leisure centres, hotels, schools, and private clubs.
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Swimming pool finance calculator
Estimate monthly payments for pool equipment, systems, and facility upgrades.
Select the option that best describes your business. This sets the APR starting from shown.
Project value
£40,000
Monthly payment
£763.12
per month (60 mo)
APR starting from
9.9%
Deposit
£4,000
Amount financed
£36,000
Total interest
£9,787
Total repayable
£49,787
This tool is designed to give you an illustrative example of estimated monthly payments. All applications are subject to underwriting and an independent lenders credit outcome. Please contact Sorbus Finance for further information. If structured as finance lease, 20% VAT is charged on each monthly rental and the initial deposit by the lender.
Representative 7.9% APR. Your rate may differ based on your financial profile and lender assessment.
Why pool operators choose Sorbus Finance
Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.
Finance the complete pool infrastructure
Pool filtration, heating systems, UV sterilisation, chemical dosing, lane ropes, timing systems, changing room fit-out, and lifeguard equipment can all be financed. We structure single facility loans covering the full project rather than requiring each component to be funded separately.
Heat pump finance with energy saving offset
Modern commercial heat pump systems significantly reduce pool heating costs. Finance for the heat pump system can often be structured so that the monthly energy saving partially or fully offsets the monthly finance payment, making the upgrade effectively self-funding.
School, hotel, and private club pools
Commercial pool finance is available for a wide range of operators, including leisure centre operators, hotel and spa groups, independent private clubs, swim schools, and educational establishments. Each operator type has different finance requirements and lender preferences; we know which lenders are active in each sector.
Refurbishment and upgrade finance
Aging pool plant needs periodic replacement: filtration upgrades, boiler replacement, heat pump installation, liner replacement, and changing room refurbishment. Refurbishment finance is widely available for established operators with a track record of managing the facility.
Soft costs can sometimes be included
Depending on the lender and project, design fees, project management, and installation costs can sometimes be included alongside the hard equipment costs in a facility loan, reducing the out-of-pocket expenditure during the project.
No upfront fees
In almost all circumstances we do not charge a broker fee. Should a broker fee be chargeable you will be made aware clearly in advance and it will be agreed in writing before you proceed. Read our Initial Disclosure.
What we can finance
New or used, single asset or a complete facility package.
Who you could speak to
- STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
- STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
- STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
- STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.
Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.
Client journey
Explore real client journeys
Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.
Browse anonymised case studiesStart with a conversation
Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.
Prefer to call?
Speak directly to an adviser Monday–Friday, 9am–5:30pm.
01246 383500Free call. No obligation.
Optional: Business Finance Health Check
Before you approach lenders, understand your borrowing readiness with our free Business Finance Health Check, built for UK sports and leisure businesses.
Take the short Health CheckFree · No credit check · Not required before you talk
Want the full picture? The full fact-find is longer and also optional.
Email us anytime
hello@sorbusfinance.co.ukFree tool
Know your lending position before you apply
The Business Finance Health Check scores your readiness to borrow, business resilience, and exit strategy. Free, under 5 minutes, no obligation.
Questions answered
Common questions from sports and leisure business owners.
Related sports & leisure finance
Ready to discuss pool finance?
Speak to a Sorbus Finance adviser for a free, no-obligation discussion about finance for your commercial pool project.