Point-of-sale financing for home improvement, water treatment, and outdoor retailers
Aqua Finance operates a 5,000-dealer network providing consumer financing for home improvement, HVAC, water treatment, pool & spa, and outdoor categories. The tech stack is enterprise-grade (.NET, C#, Go, Kubernetes on AWS/GCP/Azure) but shows minimal recent adoption activity—no AI, no modern observability tooling—while internal pain points cluster around pricing variance, loan-approval velocity, and portal modernization. Active hiring leans engineering and finance, with concurrent projects in microservices architecture and security redesign, suggesting a multi-year modernization effort under way.
Aqua Finance is a privately held point-of-sale lender headquartered in Wausau, Wisconsin, serving dealers, contractors, and retailers across home improvement, HVAC, water treatment, pool & spa, and recreation verticals. Founded in 1985, the company has built a network of over 5,000 partner dealers and contractors and deploys flexible underwriting to expand approval rates. The business model is B2B2C: partners originate deals at the point of sale, Aqua funds and services the loans. The organization operates across 201–500 employees with active scaling in engineering and finance roles.
Primarily .NET, C#, and Go on AWS, GCP, and Azure; data infrastructure on Snowflake and PostgreSQL; frontend using React and Blazor; Docker and Kubernetes for orchestration; LexisNexis for underwriting signals.
Wausau, Wisconsin. The company was founded in 1985 and remains privately held; hiring is concentrated in the United States.
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