Boat and marine finance for business
Charter and fishing vessels, tour and dive boats, ferries and work tenders — plus luxury cruisers and yachts. Marine finance structured around how you use the boat.
Whether the vessel earns for your business or it's the luxury cruiser you've worked for, we arrange the finance — keeping your cash free and matching the boat to a lender that understands marine. We handle commercial vessels (charter, fishing, tour, ferries) and leisure craft for private buyers, new, used or imported.
Who it's for
Charter and tour operators, commercial fishers, marine tourism and ferries — plus private buyers financing a luxury cruiser or yacht.
From tinnies to charter vessels
Charter and tour boats, commercial fishing vessels, dive boats, ferries, pontoons and work tenders — power or sail. If the vessel earns for your business, it's generally financeable, new or used.
Survey and commercial-use vessels
Commercial vessels often need to be in survey, and lenders treat marine assets on their own terms — age, hours, build and survey class all matter. We match the vessel to a lender that understands marine, so the deal doesn't stall on the detail.
Established ABN + property often means no financials
If your ABN has been active for 2+ years, you're GST registered and a director owns property, low-doc marine finance can often be arranged without tax returns, BAS or bank statements — the same way we write other commercial assets.
Match repayments to your season
A balloon (residual) lowers the monthly repayment and keeps working capital in the business — useful when marine income runs seasonally. We'll structure the term and balloon so the quiet months aren't a strain.
Used, private sale or imported vessels
We regularly finance used and private-sale vessels — they need an inspection and a clear title (PPSR) check, which we handle. Importing a vessel can be financed too, though it needs a smarter structure; it's worth a conversation before you commit.
Luxury cruisers, yachts and jet skis
On the coast it's not all work boats. We also arrange finance for luxury cruisers, sailing yachts and jet skis (personal watercraft). For private, personal use these are assessed as consumer finance — structured a little differently to a commercial vessel — and we'll walk you through the right way to set it up.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. We arrange finance for luxury cruisers, yachts and jet skis (PWC). For personal, recreational use this is consumer finance, which is assessed differently to a commercial vessel — we'll explain how it's structured and what's involved. General information only; consider whether it's right for you.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.