Private Capital for Luxury, Super & Mega Yachts
Our specialty is in luxury yacht financing for high-net-worth individuals, family offices, and maritime investors seeking tailored capital solutions for large, complex vessels.
We arrange financing for luxury yachts, super yachts, and mega yachts starting at $10 million and above, providing flexible structures for purchases, refinances, new builds, and charter-based vessels. Our private lending approach allows us to underwrite beyond rigid bank models while maintaining disciplined, asset-focused risk management.
Yacht Classes We Finance
- Luxury Yachts – Typically 50 feet and above, used for personal enjoyment, sport, or limited commercial use
- Super Yachts – Professionally crewed vessels generally exceeding 79 feet
- Mega Yachts – Ultra-large yachts beginning around 164 feet and beyond
Each class requires a distinct financing approach, our role is to structure capital that aligns with the vessel, usage, and ownership strategy.
Financing Structures Available
- Yacht purchases (new or pre-owned)
- Refinancing of existing vessels
- New-build yacht financing
- Yacht leasing structures
- Charter-based financing solutions
- Capital restructuring for maritime assets
Key Underwriting Considerations
Every yacht transaction is evaluated holistically. Factors we review may include:
- Intended use (private, charter, or mixed)
- Vessel size and specifications
- Engine configuration and propulsion systems
- Guest and crew accommodations
- Crew requirements and operating profile
- Charter income (if applicable)
- Seaworthiness and operational range
- Fuel efficiency and operating costs
- New versus used condition
- Flag state and registration jurisdiction
- Legal and tax positioning of the borrower and vessel
Our underwriting is designed to reflect real-world maritime economics, not just paper metrics.
Yacht Loan Guidelines (Indicative)
- Minimum loan size: $10,000,000
- Maximum loan size: Case-by-case, based on asset and structure
- Loan-to-Value: Competitive, asset-driven structures
- Rates: Market-based, dependent on credit and structure
- Terms: Structured to match ownership and operational plans
- Credit Flexibility: Programs available for credit-challenged borrowers
Each transaction is custom-structured, no two yachts are financed the same way.
Ownership, Jurisdiction & Tax Strategy
Yacht financing frequently involves multiple jurisdictions. Ownership structure, registration location, tax treatment, and charter regulations can materially affect loan terms and structure.
We work closely with maritime counsel, tax advisors, and yacht management teams to ensure financing aligns with both legal requirements and long-term ownership strategy.
Yacht Financing With Us
- Private, non-bank capital
- Large-balance lending expertise
- Asset-based underwriting
- Creative structures for complex vessels
- Discreet, relationship-driven execution
- Experience with international ownership frameworks
If you’re acquiring a luxury yacht, financing a new build, or restructuring an existing vessel, we can help… give us a try. We deliver private capital solutions to the world of high-value maritime assets.
