RIB Finance
Finance for rigid inflatable boats - Williams, Ballistic, Ribeye, Brig, Zodiac, and Cobra. Hire purchase and marine loans for leisure, watersports, and commercial RIBs. 24-hour decisions from specialist marine lenders who understand RIB values.
The right structure for every rib requirement
Williams RIB Finance
Finance for Williams Jet Tenders and Sportjet rigid inflatable boats. The premium UK RIB brand - jet-drive models from 280 to 630. Specialist marine lenders who understand Williams values.
Sports & Leisure RIB Finance
Finance for Ballistic, Ribeye, Scorpion, and Cobra sports RIBs. High-performance leisure RIBs from UK and European builders - hire purchase from £5,000 with fast decisions.
Commercial RIB Finance
Finance for safety and dive boat RIBs, pilot boat RIBs, and professional commercial rigid inflatable boats. Commercial use RIBs financed by specialist lenders who understand MCA survey requirements.
Hire Purchase
Full ownership at end of term. Fixed monthly payments. The standard product for RIB finance across all sizes and use cases. Fast decisions - often same day for established applicants.
Personal Loan for RIB
For RIBs below £15,000, a specialist marine personal loan may be more practical than a formal asset finance product. We advise on the threshold and the most appropriate structure for each enquiry.
Trailer Package Finance
Finance the RIB and trailer as a combined package. Many RIB buyers require a specialist trailer - the combined facility avoids two separate applications.
How it works
RIB details
Manufacturer, model, length, engine type and power, year, and condition. New or used.
Terms sourced
Specialist marine lenders for RIBs. Decisions within 24 hours for most applications.
Approval
RIB finance is assessed on asset value and buyer profile. New and used RIBs, private individuals and commercial operators.
Settlement
We settle directly with the dealer, manufacturer, or private seller.
Ready to discuss RIB Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
RIB & Sports Boat Finance - Market Overview
RIBs (rigid inflatable boats) and sports boats represent one of the most dynamic segments of the UK leisure marine market. Finance for these craft is provided by a specialist panel of lenders - quite different to the mainstream motor finance market - with rates and criteria that vary significantly between providers. Accessing the full panel through an independent broker is the most reliable route to competitive terms.
Doulton Bridging Finance works with ten specialist marine lenders, from institutional names such as Black Horse (Lloyds Banking Group) and Lombard (NatWest Group), to flexible specialist houses such as Close Brothers, Pegasus, and Together. Our whole-market approach means your single enquiry is assessed against all relevant lenders, returning the most competitive available terms for your profile.
RIB Finance Rates - October 2026 Panel Comparison
| Lender | APR Range | Max Term | Max LTV | Min Loan |
|---|---|---|---|---|
| Black Horse | 6.9%–11.5% | 10yr | 80% | £5,000 |
| Barclays | 7.2%–12.0% | 7yr | 75% | £10,000 |
| Close Brothers | 6.5%–10.9% | 10yr | 80% | £5,000 |
| Lombard | 6.8%–10.5% | 7yr | 75% | £10,000 |
| Pegasus | 7.5%–13.5% | 15yr | 85% | £3,000 |
| Shawbrook | 8.2%–13.9% | 7yr | 70% | £10,000 |
| United Trust | 7.8%–12.5% | 10yr | 75% | £10,000 |
| Together | 8.5%–14.5% | 7yr | 70% | £10,000 |
| Aldermore | 8.2%–13.5% | 7yr | 70% | £10,000 |
| Rankin | 9.2%–15.9% | 15yr | 85% | £3,000 |
All rates indicative for October 2026. Actual rate subject to credit assessment and lender criteria. Click any lender for a full independent rate guide.
All RIB & Sports Boat Finance Pages
Lender Rate Pages
Why Use a Broker for RIB Finance?
10+ Lenders, One Application
We submit your enquiry to all relevant lenders simultaneously, returning the best available rate for your profile - not just one lender's standard offer.
Lenders You Can't Reach Direct
Several of the best-value marine lenders - including Close Brothers and Pegasus - do not deal directly with consumers. Broker access is the only route.
Independent, Regulated Advice
We are authorised and regulated by the FCA (No. 814533) and act solely in your interest - not the lender's or the dealer's. No hidden commission.
Guides & Lender Pages
Frequently asked questions
What RIB manufacturers can be financed?
All major RIB brands - Williams, Ballistic, Ribeye, Brig, Zodiac, Gemini, Cobra, Scorpion, and others. New and used. UK-built and imported.
Is there a minimum loan for RIB finance?
Most specialist marine asset finance products start at around £10,000-£15,000. Below this, a personal marine loan product is typically more appropriate and faster.
Can I include the engine and trailer in the RIB finance?
Yes - the complete RIB package (hull, engine, trailer) can be financed as a single combined facility.
Is RIB finance available to first-time buyers?
Yes - RIB finance is one of the more accessible entry points into marine finance. Personal credit history and a reasonable deposit are the main assessment factors for new applicants.
Can a commercial diving or safety RIB be financed?
Yes - commercially certified RIBs used for diving instruction, safety cover, and harbour work are financed by specialist lenders who understand MCA survey requirements.
Do I need a survey for RIB finance?
For RIBs and sports boats under £25,000, many lenders do not require a formal survey. Above this threshold, an IIMS or YDSA accredited survey is typically required.
Can I finance a second-hand RIB?
Yes. Most HP lenders accept used RIBs and sports boats. The lender will use the purchase price (or a valuation if lower) to determine the maximum loan.
What deposit do I need for a RIB?
Typically 10–20% for new RIBs; 20–25% for used craft. Some lenders offer 90% LTV for new vessels from authorised dealers.
How long can I take a RIB on HP?
HP terms for RIBs and sports boats are typically 1–7 years. Longer terms reduce monthly payments but increase total interest cost. We advise on the most cost-effective structure for your budget.
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