Marine Finance for Yacht Purchases
Purchasing a yacht is a significant investment. Whether you are buying your first vessel or adding to an existing fleet, financing can offer flexibility — preserving liquidity while securing the right yacht at the right time.
ADY maintains relationships with specialist marine lenders across Europe and the United States. We connect buyers with the right financing partner and provide the operational and commercial context that lenders need to move efficiently.
How It Works
Pre-Approval & Structuring
Before you begin your search — or once you have identified a vessel — we introduce you to lenders who specialise in yacht finance. They assess your profile and provide indicative terms so you know your position before entering negotiations.
Loan Types
Marine finance typically takes one of several forms, depending on the vessel, jurisdiction, and buyer profile:
- Secured marine mortgage — the most common structure, with the yacht as collateral. Typical terms: 50–70% LTV, 8–15 year amortisation.
- Leasing / hire-purchase — common in EU jurisdictions, sometimes with VAT advantages depending on flag state and usage.
- Asset-backed lending — for buyers with existing portfolios, using other assets as additional or alternative security.
During the Purchase
Once terms are agreed, we coordinate between the lender, your legal team, the surveyor, and the seller’s broker to ensure the financing timeline aligns with the purchase process. This includes survey requirements, insurance placement, and registration — all of which lenders require before drawdown.
Post-Completion
After closing, the relationship does not end. If you place the yacht under ADY management, we provide the lender with the operational reporting and insurance documentation they require throughout the loan term.
What We Provide
- Introductions to vetted specialist marine lenders
- Guidance on the most suitable financing structure for your situation
- Coordination between lender, legal, and brokerage teams during the purchase
- Ongoing operational support that satisfies lender covenants
Who This Is For
Yacht financing is relevant whether you are purchasing through ADY or through another broker. If you are considering a purchase and want to understand your financing options, we are happy to make the introduction — with no obligation to use ADY for the purchase itself.
The right financing structure is as important as the right yacht. We help you get both.