Build at today's prices
Gunite, steel, tile, and equipment costs move in one direction. Saving for three more years usually means paying three years of price increases — and losing three summers in the process.
Financing · In partnership with Lyon Financial
You don't have to wait years to save the full amount. Through Lyon Financial — a lender that has done nothing but pool and outdoor living loans since 1979 — our Palm Beach County clients finance the entire project, from the shell to the decking to the landscaping.
Estimate your payment
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Estimated monthly payment
$765/mo
Illustration only. Not an offer, quote, or commitment to lend. Your actual rate, term, and payment are set by the lender based on your credit profile and the program you qualify for.
1979
Lending since
$250K
Max loan amount
30 yrs
Longest terms available
800K+
Customers funded
Why our clients finance
Plenty of our clients could write the check. Most of them choose not to — and the reasons hold up under scrutiny.
Gunite, steel, tile, and equipment costs move in one direction. Saving for three more years usually means paying three years of price increases — and losing three summers in the process.
Draining a reserve account into a backyard project removes your cushion. Spreading the cost across a term that matches the pool's 20–30 year lifespan keeps your liquidity where you can reach it.
The pools clients regret are the ones where the spa, the sun shelf, or the travertine deck got cut to hit a cash number. Financing the full scope up front avoids a second mobilization at a higher price later.
“We tell every client the same thing: decide on the pool you actually want, then decide how to pay for it. Doing it the other way around is how people end up remodeling in year three.”
Miqueias Rodrigues — Owner, JM Pool Pros
The process
You borrow from Lyon. You build with us. The two run on the same timeline, and we coordinate the draws so nothing stalls mid-project.
We walk your property, talk through scope, and put a real number on the project — pool, spa, decking, screen, equipment, the whole thing. Applying with an accurate figure beats applying with a guess.
JM Pool ProsThe application is short and handled directly by Lyon. A member of their loan team reviews it personally — no automated decisioning — and matches you to a program that fits your credit profile.
Lyon FinancialLyon looks at overall credit health, generally a debt-to-income ratio of 60% or less including the new pool payment, and any recent bankruptcies or liens. They'll review every term and condition with you before you commit to anything.
Lyon FinancialWith financing in place, we finalize the construction agreement, submit for permitting, and get your project into the build schedule.
JM Pool ProsFunds are released to us in stages as construction milestones are completed — excavation, shell, tile and coping, deck, plaster — and each release is approved by you. You're never handing over a lump sum against work that hasn't happened yet.
BothOur lending partner
Most banks treat a pool as a generic home improvement line item. Lyon has financed nothing but pools and outdoor living projects for more than four decades, and they've closed over $5 billion in pool loans. That specialization shows up in the terms — and in how they handle a build that runs long.
No home equity required Programs exist for homeowners who haven't built equity yet, so a newer purchase doesn't automatically rule you out.
Terms up to 30 years Among the longest available in the industry, which is what keeps the monthly number manageable on a six-figure project.
No prepayment penalties Pay it down early or in full whenever you want, without being charged for it.
Reviewed by a person, not an algorithm Every application is read by a member of their loan team. If your file has a wrinkle, there's someone to talk to about it.
The whole backyard, not just the pool Decking, screen enclosure, outdoor kitchen, fencing, and landscaping can be rolled into a single loan.
Common questions
We don't lend money ourselves. We partner with Lyon Financial, who has specialized exclusively in swimming pool and outdoor living financing since 1979. You apply directly with Lyon, and we coordinate with them on the construction draw schedule so your build and your funding stay in sync.
Not necessarily. Lyon offers no-equity-required programs, so buying recently or not having built much equity yet doesn't automatically disqualify you. Eligibility and terms vary by program and by applicant.
Lyon offers loans up to $250,000 with terms up to 30 years. What you actually qualify for depends on your credit health, your debt-to-income ratio, and the specific program you're matched with. Lyon generally looks for a DTI of 60% or less including the new pool payment.
Lyon typically issues a conditional approval within 24 to 48 business hours. Because a person reviews each file rather than an automated system, you'll get a response tailored to your situation rather than a flat yes or no.
Yes, and we recommend it. Financing can cover the complete outdoor living project — pool and spa, decking, screen enclosure, outdoor kitchen, fencing, and landscaping. Building it all in one mobilization costs less than coming back in two years to add what got cut.
Lyon states there are no prepayment penalties and no consulting fees on their programs. As with anything, confirm the specific terms of the offer you receive before you sign.
In stages, as construction milestones are completed and approved by you — not as one lump sum up front. Lyon pays us directly on that schedule, which protects you and keeps the project moving without you having to manage the transfers yourself.
Start with a design consultation and a real number. Once you know what the project costs, financing is a straightforward conversation.
JM Pool Pros is a licensed swimming pool contractor, not a lender, broker, or credit provider. All financing is originated, underwritten, and serviced by Lyon Financial and its lending partners. JM Pool Pros does not make credit decisions, set rates or terms, or receive or process loan applications.
Loan amounts, rates, terms, and program availability are subject to credit approval and may vary. All figures shown on this page, including any payment estimates, are illustrations for general reference only and do not constitute an offer, quote, pre-qualification, or commitment to lend. Terms and conditions apply.
JM Pool Pros — Florida license #U-22801. Serving Palm Beach County, Florida.
