Yacht Financing

Purchasing a yacht is a significant investment — and marine finance is a specialist discipline that standard private banking rarely handles well. Yacht assets depreciate differently from property, operate across jurisdictions, and carry regulatory requirements that affect collateral value. The lenders who understand this are a small group, and the right introduction matters.

ADY is not a lender. We connect buyers with specialist marine lending institutions and provide the operational and commercial context that lenders need to move efficiently. Whether you are buying your first vessel or adding to an existing fleet, financing can preserve liquidity while securing the right yacht at the right time.

How Marine Finance Works

Marine finance differs from standard asset lending in several ways:

• The yacht is the primary collateral — its condition, maintenance history, classification status, and insurance all affect the lender's position
• Flag state and ownership structure matter — a vessel registered in one jurisdiction and owned through a company in another creates complexity that generalist lenders avoid
• Operational context is required — lenders want to understand how the vessel will be used, maintained, and insured before committing terms

Types of Finance

• 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 pattern
• Asset-backed lending — for buyers with existing portfolios, using other assets as additional or alternative security

The Process

Pre-Approval & Structuring

Before you begin your search — or once you have identified a vessel — ADY introduces you to lenders who specialise in yacht finance. They assess your profile and provide indicative terms so you know your position before entering negotiations.

During the Purchase

Once terms are agreed, ADY coordinates between the lender, your legal team, the surveyor, and the seller's broker to ensure the financing timeline aligns with the purchase process — survey requirements, insurance placement, and registration all completed before drawdown.

Post-Completion

After closing, 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 You Get

• Access to specialist marine lending institutions — banks and lenders who understand yacht assets, not generalist private banks
• Pre-approval guidance and documentation assembly — survey reports, maintenance history, operating budgets, ownership structure
• Structure compatibility review — ensuring the financing arrangement works with your flag state, tax position, and intended use
• Coordination between lender, legal, and brokerage teams during the purchase
• Support through to closing and drawdown

Yacht financing is available whether you are purchasing through ADY or through another broker. If you are considering a purchase and want to understand your options, we are happy to make the introduction.

The Outcome

The right financing structure is as important as the right yacht. ADY ensures both are in place — connecting you with specialist lenders, assembling the documentation they need, and coordinating the process through to closing.