This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.
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Investing in a commercial vessel can help businesses expand operations, increase capacity and generate new revenue opportunities. Whether you are purchasing a fishing vessel, charter boat, passenger ferry, workboat or support craft, financing can make it easier to acquire the vessel your business needs while preserving working capital.
Our boat finance calculator helps you estimate monthly repayments, total interest costs and overall borrowing expenses. Simply enter the vessel purchase price, deposit amount, finance term and interest rate to receive an instant estimate.
Our boat finance calculator estimates your monthly repayments based on the amount borrowed, the interest rate and the length of the finance agreement.
By adjusting the finance term, deposit and loan amount, you can compare different funding scenarios and understand the potential cost of financing a commercial vessel.
The calculator can help you estimate:
Commercial vessels often represent a significant capital investment. Financing allows businesses to spread the cost over time while maintaining access to cash for operational expenses and growth opportunities.
Instead of committing substantial capital to a single purchase, businesses can invest in vessels while preserving liquidity.
Financing enables businesses to acquire vessels without tying up large amounts of cash that could be used elsewhere in the business.
Boat finance can support fleet growth, helping operators increase capacity, take on new contracts and expand into new markets.
Fixed monthly repayments provide predictable costs that can be incorporated into business budgeting and financial planning.
Upgrading vessels can improve operational efficiency, reliability, safety and fuel economy while helping businesses remain competitive.
Commercial boat finance can be used for a wide range of marine assets, including:
Several factors influence the cost of commercial boat finance.
The purchase price of the vessel will directly affect the amount borrowed and the resulting monthly repayments.
A larger deposit reduces the amount financed and may lower both repayments and overall borrowing costs.
Finance rates vary depending on factors such as the vessel type, business financials, credit profile and lender criteria.
Longer repayment periods can reduce monthly repayments but may increase the total interest paid over the life of the agreement.
Commercial boat finance is commonly used by businesses operating across the maritime sector, including:
Whether you are acquiring a single vessel or expanding an established fleet, finance can help make investment more manageable.
Swoop Finance Limited helps UK firms access business finance by working directly with businesses and their trusted advisors. We act as a credit broker, not a lender, and do not provide loans or finance products ourselves. We introduce applicants to a panel of lenders, equity funds, and grant agencies based on individual circumstances and creditworthiness.
Commission Disclosure: We typically receive a commission from the finance provider (either a fixed fee or a fixed percentage of the amount you receive) upon successful placement. Different providers pay different rates. For certain lenders, we may have influence over the interest rate, which can impact the total amount payable under your agreement.
Regulatory Information:
FCA: Authorised and regulated by the Financial Conduct Authority as a credit broker (FRN: 936513) and registered as an Account Information Services Provider (Ref: 833145).
ICO: Registered with the Information Commissioner’s Office (Ref: ZA600162); registration can be verified at ico.org.uk.
Company Details: Registered in England & Wales with Companies House (No. 11163382). Registered Address: The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes, MK11 1BN. VAT Number: 300080279.
Terms: All finance and quotes are subject to status, income, and terms and conditions. Applicants must be aged 18 or over. Guarantees and indemnities may be required. Please refer to our terms and conditions and our complaints procedure for further details.
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