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Explore the world of yachting

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Financing a superyacht is a complex process, and individuals interested in purchasing one typically explore various options. Here are some common ways to finance a superyacht:

Bank Financing

Many buyers opt for traditional bank loans or marine financing to purchase a superyacht. This involves obtaining a loan from a financial institution, with the yacht serving as collateral. The borrower makes regular payments over a specified term until the loan is fully repaid.

Yacht Leasing

Yacht leasing or yacht charter management programs allow individuals to finance a superyacht while potentially generating income. The yacht is placed into charter service when the owner is not using it, and the income generated from charters can offset some of the costs.

Asset-Based Loans

High-net-worth individuals may use their existing assets, such as real estate or investment portfolios, as collateral for a loan to purchase a superyacht. This type of financing is often structured based on the borrower’s overall financial portfolio.

Fractional Ownership

Instead of financing the entire cost of a superyacht, some individuals choose fractional ownership. This involves multiple co-owners sharing the costs and usage of the yacht. Fractional ownership programs are often managed by specialized companies.

Outright Purchase

Some wealthy individuals choose to buy a superyacht outright, using their personal funds. This eliminates the need for financing, and the owner has full ownership and control of the vessel immediately. The owner might reconsider post financing without any time sensitive situations.


Purpose of funding
Acquisition, pre-delivery, refinancing of new and pre-owned yachts.
Type of Yacht

Lenders will be specific about their minimum requirements and credit policies monitor the following points.

  • Shipyard of superyacht.
  • Length of vessel.
  • Technical specifications.
  • Registration.
  • Age of superyacht.
  • Recent modifications or refit.
  • Construction meeting Maritime & Coastguard standards authorised by classification companies.
Generally, the timeframe ranges from 5 to 10 years, varying on a case-by-case basis.
Indicative LTV
Depending on the size of the superyacht and various factors, the majority of lenders typically find a comfort zone within a 50% to 60% Loan-to-Value (LTV) ratio. (This percentage might be higher for boats valued less than €10,000,000 or when dealing with a leasing lender).

Reputable lenders will anticipate a minimum of the following criteria.

  • Registered 1st charge secured on the superyacht / assets by lender.
  • SPV ownership is preference of most lenders.
  • Mandatory pledge of SPV shares to lender.
  • Cash reserve (interest reserve.
  • Joint and several guarantee(s) from UBO.
  • Assignment of insurance policies.
  • Assignment of charter fees, if any.
Legal & regulatory considerations
  • Bank expertise on consumer protection law may affect the eligibility for private persons.
  • Legal opinion might be required at the cost of the customer.
  • Application of the European mortgage credit directive (private person).
  • Potential application of the consumers protection law (private person).



  • Identity (scanned passport).
  • Residential address (dated within 3-months).
  • Marital status and dependents.
  • Source of wealth documentation.
  • Creditworthiness application completed.
  • Origin of funds to support project (recent statements).
  • Corporoate structure description.
  • Status and by laws of each legal entities.
  • Certificate of ownership.
  • Balance sheet & income statements (2-years minimum).
  • Trust deed.
  • Trust assets statement (from trustee).


  • Purpose of loan.
  • Superyacht description (PDF/link).
  • Presale agreement.
  • Existing loan agreement (refinancing).
  • Valuation of vessel.
  • Ownership title (post financing).
  • Structured assets and portfolios to be discussed with lender.
  • Life insurance: copy of contract including general and conditions for policy.
  • Origin of funds to support project.