Aqua Finance, Inc.

Bay Finance will provide you with the loan documents necessary for funding. You can order documents to be mailed to your dealership at 1-866-900-6779, option 4, ext. 6078. You can also use our online dealer portal Orbit to create documents to print from your own printer or have electronically signed. You can visit Orbit.

You can find that information by logging into our dealer portal and choosing the funding status option on the dashboard. You can also contact our funding department at 1-866-900-6779, option 4, ext. 6078 for information or specific questions. 

If you are looking to update your ACH information for funding you can give us a call at 1-866-900-6779, option 4, ext. 6078 or you can login to the dealer portal, Orbit and print off the ACH form found under the sales tools section and fax or email the form back to 715-849-4855 or marketingdept@aquafinance.com. 

The right-to-cancel period is required for all in-home sales. This is a three business day period in which a customer can choose to cancel the transaction by signing the document and returning it to the dealership. The right-to-cancel period cannot include Sundays, Federal Holidays, any day your dealership is not open, and Saturdays for the following states: DE, HI, IA, MI, MN, MO, NJ, OR and WI. 

We fund your dealership once all completed paperwork has been received by our office, the right to cancel has expired, the installation has been completed, and the customer has verified their information with us.  This timeframe can be as quick as 4 days after the date of the sale, however it can vary depending on the program or product. 

We will issue your dealership a funding remittance to the designated email or fax number provided at the time of approval. If you need to update this information please give us a call. 

You can complete the loan documents by hand or use our online dealer portal. We have training available for both options. You can send the paperwork to our headquarters in Wausau, WI. For mail being send via USPS send to: PO BOX 844, Wausau, WI 54402. For mail being sent via Fed Ex or UPS send to: 1 Corporate Drive, Suite 300, Wausau, WI 54401. If you use one our e-signature options you do not have to mail any paperwork. 

ACH stands for automatic clearing house and is a means to deposit/debit funds directly to/from a checking for saving account. 

You will receive funds into your bank account after your product has been installed or delivered, Bay Finance has received all original paperwork (ink signed or e-signed), and any necessary verification has been completed with the customer. We deposit funds directly into your bank via ACH. 

If the customer hasn’t received all promised items or the installation of products (if applicable) is not complete.

If we learn there was “split financing” where another company is financing a portion of the sale (which we do not allow)

If the dealership promised to make any payments for the customer or if there are rebates promised outside the contract (which we do not allow as it can invalidate the contract)

If the customer is not given completed copies of all loan documents

No. We can give you a credit approval from a different company’s credit application, but to fund the loan, we require Bay Finance documents including the credit application. This is to ensure all documents comply with legal requirements.