Aqua Finance Partners with Wells Fargo to Transform Dealer Financing Experience

A strategic collaboration between two major financial players is reshaping how recreational vehicle and powersports dealers manage their operations. Aqua Finance, a non-bank financing platform serving over 5,000 dealers nationwide, has joined forces with Wells Fargo Commercial Distribution Finance to introduce a comprehensive financing solution that merges retail consumer financing with inventory floor plan management.

Bridging the Financing Gap

The integrated program targets dealers in the boating, RV, and powersports sectors, working directly with leading equipment manufacturers such as Brunswick, E-Z-GO, KTM North America, and Winnebago Industries. What makes this collaboration distinctive is its focus on operational simplification. Rather than juggling multiple financing systems, dealers now access both consumer retail financing and wholesale inventory management through a unified platform.

The efficiency gains are substantial. By eliminating disconnected processes, dealers experience faster cash flow conversion, reduced administrative overhead, and competitive pricing across the entire credit spectrum. This means dealers serving customers with varying credit profiles—from prime to subprime—can now manage everything in one system.

The Technology Angle

Both companies recognized that modern dealers need more than just competitive rates; they need seamless digital operations. The newly launched platform digitizes the entire transaction lifecycle: pre-qualification, underwriting, document execution, e-signatures, and automatic floor plan settlement. This end-to-end automation eliminates manual bottlenecks that traditionally slow down dealer operations.

Industry stakeholders have already signaled their enthusiasm. KTM North America’s VP of Motorcycle Sales emphasized that digital integration is essential for empowering dealers to scale operations and enhance customer experience. Similarly, Textron Specialized Vehicles (E-Z-GO manufacturer) highlighted how the integration simplifies their dealers’ workflows while maintaining consistency with existing financing ecosystems.

Market Context and Scale

Aqua Finance operates across all 50 states, managing financing for dealers and contractors primarily in home improvement, recreation, powersports, and water treatment sectors. Wells Fargo brings substantial institutional muscle—the company manages approximately $2.0 trillion in assets and operates through multiple divisions including Consumer Banking, Commercial Banking, and Investment services.

This partnership signals a broader trend: specialized finance platforms are increasingly collaborating with established financial institutions to create comprehensive solutions. By combining Aqua’s expertise in consumer financing underwriting with Wells Fargo’s institutional infrastructure and inventory management capabilities, both organizations expand their market reach while solving real operational problems for their dealer networks.

For dealers seeking more information or to explore participation in the program, resources are available at aquafinance.com.