Hampshire Trust Bank - Charter Vessel Business Finance Overview
Hampshire Trust Bank is a key lender on the Doulton Bridging Finance panel for charter vessel business and fleet finance. Their secured structures are designed for commercial charter operators - yacht charter fleets, RIB charter businesses, speedboat hire, fishing charter, dive charter, motor launch charter, and sailing charter operations across the UK.
For October 2026, Hampshire Trust Bank is offering rates from 7.5–12.5% on charter vessel business finance, with facilities from £150k–£2m, maximum LTV of 80%, and terms up to 10yr. These are indicative rates - final terms are subject to underwriting and your specific circumstances.
Charter vessel business finance differs fundamentally from leisure marine finance. Lenders assess applications on the revenue-generating capacity of the charter business, charter contracts, booking data, and DSCR - not on personal income. Doulton Bridging Finance specialises in presenting charter business cases to lenders in a way that maximises approval rates and negotiates the best possible terms.
Hampshire Trust Bank Charter Vessel Business Finance Rates - October 2026
| Product | Rate | Facility Amount | Max LTV | Max Term |
|---|---|---|---|---|
| Secured | 7.5–12.5% | £150k–£2m | 80% | 10yr |
Rates correct October 2026. Indicative only - final rate subject to credit and underwriting assessment. Representative examples available on request.
Strengths of Hampshire Trust Bank for Charter Vessel Finance
- Maximum £2m facility with 80% LTV and 10-year terms - excellent for serious charter fleet investment
- Relationship-based underwriting values the quality of the charter business proposition alongside financials
- Strong appetite for luxury charter businesses where brand, vessel condition, and location support premium pricing
- Can accommodate complex charter fleet structures including mixed ownership and seasonal vessels
Limitations to Consider
- Minimum £150k - not suitable for smaller single-vessel charter acquisitions
- More detailed underwriting requires business plans, cashflow projections, and forward booking evidence
- Typical decision timeline of 2–3 weeks longer than faster lenders like Nucleus
Is Hampshire Trust Bank Right for My Charter Vessel Finance?
Strong fit for established charter businesses making major fleet investments in the £150k–£2m range. Hampshire Trust's combination of 80% LTV, 10-year terms, and relationship underwriting makes them particularly well-suited to luxury yacht charter fleets and well-run charter businesses with a compelling forward booking position.
If you are unsure whether Hampshire Trust Bank is the right fit for your charter vessel finance, our team at Doulton Bridging Finance will assess your case and identify the most appropriate lender or combination of lenders. We work across the full charter vessel panel simultaneously to ensure you get the best available terms.
Compare All Charter Vessel Business Lenders
We work with nine specialist lenders for charter vessel business and fleet finance. View the full comparison:
- Close Brothers - 7–11%, £50k–£3m, 80% LTV
- Lombard - 6–10.5%, £500k+, 80% LTV
- Shawbrook - 7.5–13%, £75k–£1m, 75% LTV
- Nucleus - 8–15%, £25k–£500k, 70% LTV
- Hampshire Trust - 7.5–12.5%, £150k–£2m, 80% LTV
- Paragon - 7–12%, £75k–£1.5m, 75% LTV
- Ultimate Finance - 8–14%, £25k–£500k, 70% LTV
- NatWest - 5.5–9.5%, £500k+, 80% LTV
- Arkle Finance - 7–12%, £30k–£750k, 75% LTV
Or see our best charter vessel business finance rates comparison page.