Yacht Loans
Your VESSEL IS WAITING. Let’s put some options together for you.
info@newhorizonfinancing.com
P: 877-406-6437
What to Expect
Yacht financing is not a large boat loan. The asset, the ownership questions, the surveys, and the lenders at this level are a different category. We finance yachts from $500,000 through $10 million and above: new builds, pre-owned, dealer and private party, including foreign-flagged vessels and transactions requiring USCG documentation. Every deal is built around the specific vessel, the specific buyer, and the specific closing.
LENDER NETWORK
Every New Horizon program is backed by direct, earned lender relationships built over three decades of steady transaction volume. When we bring your yacht transaction to a lender, it arrives with thirty years of history and performance behind it. That standing is your leverage.
PROGRAM APPROACH
No two yacht transactions close the same way. A $700,000 pre-owned motoryacht with survey conditions and LLC title is a different deal than a $4 million new build financed in a family trust. We design around what's actually true about your situation: income, ownership goals, intended use, and the vessel itself, before a single lender conversation.
What We Finance
If your exact situation isn't represented on these lists, or falls outside a standard profile, reach out.
Motoryachts
($500K and above)Flybridge & sport cruiser yachts
Trawlers & long-range cruising yachts
Expedition & explorer yachts
Sailing yachts & performance sloops
(including high-value offshore & bluewater sailboats)Catamaran & multihull yachts
Custom builds
(high-value & semi-custom)
Pre-owned yachts
(private party & dealer transactions)Foreign-flagged vessels
USCG documentation & international flagging facilitation
Charter-use vessels (limited charter programs available; lender eligibility applies)
Liveaboard vessels
(availability varies by lender and use)Charter-use vessels
(limited charter programs available; lender eligibility applies)Refinancing of existing yacht loans
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SURVEY RISK
If a marine survey or inspection uncovers repairs, structural issues, or a lower-than-expected value, the deal isn't over. We'll guide you from approval to closing and help you navigate any changes.
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INCOME COMPLEXITY
Self-employed or have non-traditional income? We work with lenders who understand it and can help you find the right loan options, including stated income programs for qualified buyers.
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CASH VS. FINANCING
Even if you can pay cash, financing may still make sense. You could qualify for tax benefits and keep more of your money invested. We'll help you compare your options before you decide.
What Differentiates Us From The Others
The New Horizon Approach
We understand how boats & Yachts are valued
A yacht loan isn’t the same as a car loan. Yachts are worth different things depending on age, survey status, and value. Lenders also care about the boat’s type, size, and how you’ll use it.
We figure all that out first so your loan is set up the right way before we talk to lenders. You’ll understand every detail, not just the rate.
THE SITUATIONS MOST LENDERS AVOID ARE THE ONES WE'RE BUILT FOR
Self-employed? LLC or trust owner? Buying a unique yacht? Need a non-standard closing date? Been turned down by a bank? We specialize in loans built around your situation, not just a credit-score product.
If your bank said no or gave you a number that didn't work for you, that's often where our clients' conversations with us begin.
YOU'LL UNDERSTAND EVERY TERM BEFORE YOU SIGNing
Yacht loans can be confusing. Rates, loan-to-value, surveys, insurance rules, and closing steps are often skipped over. We explain every rate, every term, and why each choice was made.
If any detail isn’t quite right, we’ll efficiently revise with the lender before you sign. Nothing at closing will be a surprise.
Expert Financing for Your Yacht Acquisition
More questions? We've answered the most common ones on our FAQ page. If yours isn't there, the fastest path to an answer is a direct conversation with our team.
A New Horizon Advisor will follow up within one business day.
No credit pull. No obligation.