Commercial Boat Finance
Finance for commercial marine vessels - fishing boats, workboats, survey vessels, pilot boats, and harbour craft. Hire purchase and marine mortgage from specialist commercial marine lenders. New and used UK-flagged vessels.
The right structure for every commercial boat requirement
Fishing Vessel Finance
Finance for fishing boats and trawlers - inshore day-boats through to offshore beam trawlers and scallop dredgers. Specialist marine lenders who understand quota values and seasonal fishing income.
Workboat Finance
Crew transfer vessels, pilot boats, survey craft, and harbour workboats. Finance for marine contractors, port operators, and offshore service businesses.
Passenger Vessel Finance
RIBs, ferries, and passenger excursion boats for coastal tourism, harbour ferry operations, and marine leisure businesses.
Hire Purchase
Full vessel ownership at end of term. Capital allowances claimable on commercial vessels. Fixed payments aligned with seasonal income patterns.
Seasonal Payment Structures
Commercial fishing and charter vessel income is seasonal. Specialist marine lenders structure repayments around the fishing year or charter season.
Refinance Existing Vessels
Release capital from commercial vessels already owned. Useful for fishing businesses investing in quota, gear, or fleet expansion.
How it works
Vessel details
Vessel type, LOA, year, engine type and power, MCA category, and intended commercial use.
Marine lender sourcing
Specialist commercial marine lenders with fishing and workboat sector knowledge.
Approval
Fishing businesses, marine contractors, and coastal tourism operators. Quota holding and licencing position are key assessment factors for fishing vessels.
Settlement
We settle with the boatyard, dealer, or private seller. Marine bill of sale and mortgage registration handled by specialist maritime solicitors.
Ready to discuss Commercial Boat Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Can fishing quota be included in the finance assessment?
Quota has value as an asset but is not typically included as direct security. The fishing business's quota holding and income are assessed as part of the overall business viability.
What MCA categories of vessel can be financed?
All MCA commercial categories - Cat 0 through Cat 6. The specific category affects the insurance and survey requirements rather than the finance structure directly.
Can I finance a used fishing vessel?
Yes - used fishing vessels in good condition, with current survey and valid certificates, are financed by specialist marine lenders.
Is seasonal payment finance available for fishing boats?
Yes - specialist marine lenders structure payments around seasonal fishing income. This is standard practice in fishing vessel finance.
Can a new fishing company get vessel finance?
Yes - specialist marine lenders assess the operator's fishing experience, licence position, and the vessel's income potential alongside company age.
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