Pool Services — $0 down financing
New pools, resurfacing, and energy-efficient pool equipment — financed the smart way, with $0 down.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingPools run year-round in Florida, so an inefficient pump is a constant power drain; high-efficiency variable-speed pumps and solar pool heating are real energy savers in this climate.
In Florida, a pool isn't a summer luxury — it's a year-round part of how people live. That also means a pool is a year-round expense, and the way you build it, renovate it, and equip it has a direct effect on both your monthly comfort and your power bill. APEX Project helps Miami-Dade property owners take on pool work the smart way: matched with a vetted, licensed pool contractor, and financed with $0 down so the project doesn't have to wait until you've saved a five-figure lump sum.
A pool project is rarely just one thing. A new build involves design, permitting, excavation, plumbing, electrical, the shell, decking, and equipment. A renovation might mean resurfacing a worn or stained interior, replacing cracked deck pavers, upgrading old equipment, or all three at once. APEX coordinates the whole scope through a single contractor so you're not stitching together a pool builder, a deck company, and an equipment installer on your own — and so financing covers the project as one package rather than a pile of separate bills.
It's important to be clear about what APEX is and isn't. We are not a pool builder, a lender, or a PACE administrator. We are an independent matching and financing-coordination service. We connect you with licensed contractors we've vetted, and we arrange financing that fits the work — primarily our $0-down consumer program for the pool itself, and PACE for the specific equipment components that qualify as energy or renewable improvements under Florida law. That distinction matters, and we'll walk through it honestly below rather than promising a property-tax-financed pool that doesn't exist.
Why it matters in Florida
In most of the country a pool sits idle for half the year. In Miami-Dade it runs essentially year-round, which changes the economics entirely. The pump is the second-largest electricity consumer in many Florida homes after the air conditioner, and a single-speed pump running long hours in our climate is a constant, quiet drain on the power bill. That's why the equipment side of a pool project is where the real energy story lives here: a high-efficiency variable-speed pump can cut pumping energy dramatically by running slower for longer instead of full-blast, and solar pool heating uses Florida's abundant sun to extend the swim season without burning gas or electricity. Florida's environment is also hard on pools themselves. Intense UV, heat, hard water, and salt air age plaster, fade decking, and stress equipment faster than in milder climates. Hurricane season adds its own toll — wind-blown debris, flooding, and power outages that can leave equipment damaged or pumps running dry. Resurfacing, deck renovation, and equipment replacement aren't vanity projects in this context; they're maintenance of a major asset exposed to one of the harshest residential environments in the U.S. Financing that work with $0 down lets owners address it on the pool's timeline rather than waiting for damage to compound.
Why homeowners choose this
$0 down to start
You don't need a large lump sum saved before breaking ground. The consumer program covers pool construction and renovation with nothing down, so the project can move on the contractor's schedule instead of your savings timeline.
No payments for 12–18 months
The consumer program includes an introductory period with no payments for roughly 12 to 18 months. You can enjoy a finished pool through a full Florida season before the regular monthly payments begin.
Efficient equipment can route to PACE
Variable-speed pumps and solar pool heating are genuine energy and renewable improvements that may qualify for PACE financing under Florida statute s.163.08 — separate from the pool itself — repaid through the property-tax bill with $0 down.
Lower operating cost for years
A right-sized variable-speed pump and solar heating reduce the pool's ongoing electricity and heating costs, so the upgrade keeps paying you back every month it runs in Florida's long swim season.
One vetted contractor for the whole project
APEX matches you with a single licensed, insured contractor who coordinates the shell, decking, plumbing, electrical, and equipment — so you're not managing three separate trades and three separate invoices.
Honest financing structure
We're transparent that the pool is consumer-financed (not free, not a grant) and only qualifying equipment can use PACE. You'll know exactly what's financed how, with no surprise on the property-tax bill.
From match to done
- 1
Tell us the project
Share what you want — a new pool, a resurface, deck work, an equipment upgrade, or a combination. We capture the scope, your property details, and your priorities (budget, timeline, energy goals).
- 2
Get matched with a vetted contractor
APEX connects you with a licensed, insured Florida pool contractor suited to your project type and area in Miami-Dade. They visit, assess the site, and prepare a detailed scope and estimate.
- 3
Structure the financing
We separate the work: the pool, resurfacing, and decking go on the $0-down consumer program (no payments for 12–18 months), while any qualifying efficient equipment is checked for PACE eligibility per component. You see how each piece is financed before committing.
- 4
Permit, build, and inspect
The contractor pulls the required Miami-Dade permits and completes the work — excavation and construction for a new build, or resurfacing, decking, and equipment for a renovation — with code inspections along the way.
- 5
Final walkthrough and start-up
You and the contractor do a final walkthrough, the equipment is started up and balanced, and you're handed a working pool. Financing converts to its repayment schedule, and APEX stays available if anything needs follow-up.
What's included
- New pool construction: design, permitting, excavation, plumbing, electrical, shell (gunite/concrete or fiberglass), and finish
- Pool resurfacing: removing worn or stained interior finish and applying new plaster, quartz, or pebble surface
- Deck and patio renovation: replacing or refinishing cracked, faded, or slippery pool decking and coping
- Variable-speed efficient pool pump installation (energy upgrade — PACE-eligible component)
- Solar pool heating system (renewable upgrade — PACE-eligible component)
- Equipment upgrades: filters, automation, LED lighting, salt systems, and energy-efficient heaters
- Tile, coping, and waterline detail work as part of a renovation scope
- Coordination of permits and code inspections through a single licensed contractor
$0-down financing for your Pool Services
Pool work is financed two different ways under APEX, and we keep them clearly separated. The pool itself — construction, resurfacing, decking, tile, and general renovation — is a lifestyle improvement, so it does NOT qualify for property-tax PACE financing. Instead it goes on our $0-down consumer program: nothing down to start, no payments for roughly 12 to 18 months, then low fixed monthly payments. This is a financing program, not a grant and not free money; you are borrowing for the work and repaying it over time, just with a structure designed so the project can start now and payments begin after you've had use of the finished pool. The exception is specific energy and renewable equipment. A high-efficiency variable-speed pool pump (an energy-efficiency improvement) and a solar pool heating system (a renewable-energy improvement) can qualify for PACE under Florida statute s.163.08, which permits property-assessed financing only for energy efficiency, renewable energy, and wind-resistance work. When eligible, that equipment portion can be financed separately through PACE — $0 down, repaid as a line item on your annual property-tax bill, and tied to the property rather than to you personally. Eligibility is verified per component with the program, and not every pump or heater configuration will qualify, so we confirm before structuring it that way. A common smart approach is a split: the pool on the consumer program, the qualifying equipment on PACE.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Good to know
Only high-efficiency pool equipment (variable-speed pumps, solar pool heating) may qualify — the pool itself does not.
Costs vary widely by project. As an illustration only — not a quote — a full new pool build in South Florida commonly runs in the tens of thousands of dollars depending on size, materials, decking, and features; a resurface is typically a mid-four-figure to low-five-figure project; and a variable-speed pump or solar heating upgrade is usually a smaller add-on cost that often pays back through energy savings over time. Your actual figure depends on site conditions, scope, and equipment choices, and only the contractor's written estimate after a site visit is a real price.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Pool Services — questions
Can I build a whole pool with PACE financing?+
No. The pool itself — construction, resurfacing, and decking — is a lifestyle improvement and isn't PACE-eligible under Florida law. It's financed through our $0-down consumer program. Only qualifying energy or renewable equipment, like a variable-speed pump or solar pool heating, can use PACE, and only as a separate component.
What's the smartest way to finance a pool in Florida?+
Often a split. The construction goes on the consumer program with $0 down and no payments for 12–18 months, while any efficient equipment that qualifies goes on PACE separately. We structure it with you so each part is financed the most sensible way.
Is the consumer program a grant or free money?+
No. It's a financing program — you're borrowing for the work and repaying it. The benefit is the structure: $0 down, no payments for roughly 12–18 months, then low monthly payments. It is not a grant and it is not free.
How much can a variable-speed pump actually save?+
Because pools run year-round in Florida and the pump is one of the home's largest electricity users, switching from a single-speed to a high-efficiency variable-speed pump can cut pumping energy substantially by running slower over longer cycles. Exact savings depend on your pool size, run time, and rates — your contractor can estimate it for your setup.
Does a solar pool heater make sense here?+
Florida's sun makes solar pool heating one of the most practical renewable upgrades for a pool. It extends the comfortable swim season without the gas or electric cost of conventional heaters, and as a renewable improvement it may qualify for PACE financing separately from the pool.
Is APEX a pool builder?+
No. APEX is an independent matching and financing-coordination service. We connect you with vetted, licensed Florida pool contractors and arrange the financing — we don't build the pool ourselves, and we're not a lender or PACE administrator.
Do I need a separate contractor for the deck and equipment?+
No. APEX matches you with a single licensed contractor who coordinates the full scope — shell, decking, plumbing, electrical, and equipment — so you deal with one team and one financed package instead of juggling multiple trades.
How does PACE repayment work for the equipment?+
When equipment qualifies, PACE is repaid as an assessment on your annual property-tax bill with $0 down, and the obligation is tied to the property. Eligibility is confirmed per component before anything is structured that way, since not every pump or heater configuration qualifies.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.