Superyacht Finance
Discreet, bespoke superyacht finance for vessels 30 metres and above. Private bank lending, structured marine finance, and specialist yacht mortgage from lenders who serve high-net-worth and ultra-high-net-worth clients. Independent advice across the full market.
The right structure for every superyacht requirement
Private Bank Superyacht Lending
Access to the private banking desks of specialist marine lenders. EFG, Weatherbys, and relationship-driven institutions who understand the wealth profiles and asset management expectations of superyacht owners. Discreet, structured, and tailored to each client.
Superyacht Mortgage
Long-term secured finance against the vessel as a primary asset. LTV ratios for superyachts typically sit at 50-65% of open market value - reflecting the specialist nature of the asset and lender risk appetite at this level.
Structured Finance & Corporate Ownership
Finance structured through BVI, Cayman, or Channel Islands holding structures. Many superyacht owners hold through an SPV for liability, tax efficiency, and crew management purposes. We work with lenders and lawyers familiar with these structures.
New Build Finance
Finance for superyachts under construction at European and international shipyards. Stage payment structures aligned with the build programme - drawdowns as construction milestones are reached.
Superyacht Refinance & Sale-Leaseback
Release capital from a superyacht already owned. Specialist lenders assess the vessel's current open market value and structure a refinance facility accordingly. Useful for liquidity management without selling the vessel.
Charter Fleet Superyacht Finance
Finance for commercially registered superyachts deployed in the charter market. Charter income is assessed alongside the owner's personal wealth. MCA Large Yacht Code compliance and flag registration are key lender considerations.
How it works
Confidential briefing
Vessel specification, ownership structure, and financing objectives. We conduct all preliminary discussions in strict confidence before approaching any institution.
Lender identification
We identify the private banking relationships and specialist marine lenders most likely to engage, based on vessel type, ownership structure, and the client's wealth profile.
Structured proposal
A structured finance proposal is prepared and presented. Superyacht finance is relationship-driven at this level - the proposal quality and our existing lender relationships determine the speed of engagement.
Survey, legal, and completion
Full RINA-accredited survey, maritime legal due diligence, and security registration. We coordinate all parties through to drawdown.
Ready to discuss Superyacht Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
What defines a superyacht for finance purposes?
Most specialist lenders define a superyacht as a vessel over 24 metres (78ft) LOA, though the more commonly used threshold for the private banking tier of lending is 30 metres and above. Below this, standard specialist marine mortgage products apply.
What LTV is available on a superyacht?
Typically 50-65% of the vessel's current open market value as assessed by a specialist superyacht valuer. The LTV reflects the illiquid nature of the superyacht market and the cost of repossession and re-sale.
Do lenders require assets under management as a condition of superyacht finance?
Some private banking relationships expect assets under management in return for superyacht lending. We advise on which lenders require this, and which do not, before approaching any institution.
Can finance be structured through a corporate entity?
Yes - superyacht finance through BVI, Cayman, Jersey, or Guernsey holding structures is standard practice. The lender takes a charge over the vessel and may require a personal guarantee from the beneficial owner.
Is discretion maintained throughout the process?
Yes - all enquiries are handled in strict confidence. We do not share client details with lenders without explicit permission, and all preliminary discussions are conducted between DBF and the client before any formal approach to a lending institution.
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