Access liquidity against a qualifying motor yacht, sailing yacht, superyacht, or marine portfolio without selling. The Liquidity Network arranges private capital secured by qualifying vessels, reviewed on ownership, documentation, condition, survey history, engines and maintenance, market demand, TLN's valuation, and underwriting. Eligibility and terms are not guaranteed.
Yacht collateral financing lets the owner of a qualifying vessel access private capital without selling it. The Liquidity Network arranges private capital secured by qualifying motor yachts, sailing yachts, superyachts, sportfishing and expedition vessels, and select specialty marine assets. A single yacht or a qualifying marine portfolio may be reviewed, and owners may be able to retain ownership while accessing capital.
Whether a vessel may qualify depends on type, builder, model, year, hull identification, documentation, registration, flag, title, ownership, condition, survey history, maintenance, engines, refit history, usage, location, market demand, TLN's valuation, and underwriting. Not every vessel automatically qualifies, and a recognized builder alone does not establish eligibility. Understanding how valuable property may support private capital helps before preparing a submission.
It also helps to keep several figures separate. A vessel's original purchase price, its insured value, an asking price, a broker opinion, a survey value, its retail or wholesale market value, and its liquidation value are not necessarily the same as its collateral value. Collateral value reflects TLN's valuation of what a vessel may realistically support in the current market, weighed against condition, documentation, survey history, and demand.
A yacht can take months to sell, and a distressed sale rarely captures full market value, so structured private capital can address a need without an immediate sale and, depending on the transaction, without disrupting personal use or charter revenue. You can see how marine assets move through documentation and valuation before submitting. An existing lien does not automatically disqualify a vessel: where a lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the vessel's verified value supporting it. You can begin a yacht submission with whatever records you have.
None of the following is required to submit. When these items happen to be available, they strengthen the valuation basis and can support a faster review and stronger preliminary terms:
None of these is required to begin. Where a vessel carries an existing lien, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the vessel's verified value supporting it.
Select vessels across several categories may be reviewed. In every case, ownership, documentation, TLN's valuation, and underwriting apply, and eligibility and terms are not guaranteed.
Planing and semi-displacement motor yachts may be reviewed on builder, model, year, engine hours and condition, survey history, and current use. Well-documented maintenance and a clear ownership and documentation position matter more than the builder name alone.
Cruising and performance sailing yachts may be reviewed, with attention to hull and rigging condition, standing-rigging history, sail inventory, and survey results. Offshore-capable vessels with documented histories and clear ownership are the strongest candidates.
Larger vessels may be reviewed for larger arrangements, with additional attention to flag, class or compliance status where relevant, crew and operating considerations, and complete documentation. These transactions often involve more diligence given the values and systems involved.
Custom and production sportfishing vessels may be reviewed on condition, engine and systems status, maintenance records, and documented history. Well-maintained platforms with clear ownership and recognized market demand are assessed on their own records.
Expedition and long-range yachts may be reviewed, with weight on hull and machinery condition, systems, survey history, and documentation given their construction and intended use. Each vessel is assessed individually rather than by category alone.
Certain specialty marine assets may be reviewed where ownership, documentation, condition, and market demand are established. Undocumented vessels, disputed ownership, severe damage, or unresolved liens weigh against a review, and each case is assessed on its merits.
Vessels held through an LLC, trust, or other entity may be reviewed, with ownership and documentation verified at the entity level and the entity's authorized parties expected to participate. Entity structure and any co-ownership are part of the review.
A qualifying multi-vessel portfolio may be reviewed as a combined position, with each vessel assessed individually for ownership, documentation, condition, and demand while the portfolio is weighed as a whole. Not every vessel in a portfolio necessarily qualifies.
Select vessels may be reviewed based on ownership, title or documentation, registration, flag, hull identification, survey history, condition, maintenance, engine status, equipment, location, market demand, TLN's valuation, and underwriting. Not exhaustive, and all vessels are reviewed individually.
Planing and semi-displacement motor yachts from recognized builders may be reviewed. Engine hours relative to overhaul intervals, hull condition at last haulout, maintenance records, and current use are all weighed, and regional market demand is considered alongside condition rather than builder name alone.
Bluewater cruisers, performance cruisers, and racing yachts from recognized builders may be reviewed. Sail inventory, rigging age and inspection history, keel condition, and standing-rigging replacement dates are weighed alongside hull survey results, and offshore-capable vessels with documented cruising records are strong candidates.
Larger vessels from recognized builders may be reviewed for larger arrangements. Superyacht review typically considers flag and class or compliance status where relevant, crew and operating costs, and maintenance history in addition to survey documentation, and each vessel is assessed on its own records and condition.
Custom and production sportfishing vessels from recognized builders may be reviewed on condition, engine and systems status, and documented maintenance and history. Well-maintained platforms with clear ownership and recognized demand are assessed on their own records, and engine hours are weighed with service history rather than on their own.
Yacht valuation for capital purposes weighs many technical, ownership, and market factors together rather than any single number or size. No figure below is fixed or guaranteed.
Several figures are not the same. A vessel's original purchase price, its insured value, an asking price, a broker opinion, a survey value, its retail or wholesale market value, and its liquidation value can each differ, and none of them is automatically the collateral value. A survey is one input, not a guaranteed capital amount, and a broker asking price does not establish collateral value. Collateral value reflects TLN's valuation of what a vessel may realistically support in the current market, subject to underwriting.
A marine survey, documentation, and ownership records all inform a review, but none of them alone determines collateral value or guarantees eligibility. A recent survey may support a review but may not replace an updated inspection or valuation, and engine hours must be considered together with service history and condition rather than on their own. Refit costs do not automatically equal market value, and a broker asking price does not establish collateral value.
Vessel documentation or registration supports identification but does not by itself prove clear ownership, which is verified as part of the process. Flag and jurisdiction can affect review, existing liens or maritime claims may call for additional diligence, and charter history is considered because it can affect condition. Where a vessel is located internationally, that can affect inspection, transport, custody, and closing.
Where a review benefits from it, TLN coordinates a survey, condition assessment, and title work through qualified specialists, and a security interest is typically recorded before funding. TLN does not itself perform marine surveys, inspections, title opinions, documentation or registration services, insurance, or vessel management, and it is not a yacht dealer, broker, charter broker, vessel manager, operator, captain, surveyor, documentation company, title company, insurer, marina, classification society, flag authority, or maritime authority.
The Liquidity Network arranges private, asset-backed capital and does not imply affiliation with, endorsement by, or authorization from any yacht builder, registry, flag authority, marina, yacht club, surveyor, insurer, documentation company, vessel manager, charter operator, brokerage, classification society, or maritime authority. Names are used only for accurate description.
These support a review; none of them alone guarantees value or eligibility.
Complete documentation is not always required to begin a confidential review, but available records may help with ownership verification, title and documentation review, condition assessment, valuation, and underwriting. The more that is available, the more efficiently a vessel can be assessed, and anything you do not have does not automatically end the conversation.
Helpful records include:
You can see where records fit in what happens after a yacht is submitted, and the questions about ownership, surveys, valuation, and custody cover many of the practical points owners raise before submitting.
Depending on the transaction, a vessel may remain at its current berth with the owner retaining use within the agreement, or be placed in documented custody with a security interest recorded. Custody terms are structured to protect the collateral while accommodating practical vessel-management needs, and insurance, typically agreed-value hull cover, is addressed in the agreement.
Where TLN takes custody, a vessel is not simply left to sit. A documented maintenance program run by a licensed captain or marine specialist, weekly checks, engines and generators exercised, humidity controlled, bilge and shore-power systems verified, and scheduled hull and running-gear inspections, keeps the vessel in condition, with every visit logged and dated photographs on file.
A qualifying multi-vessel portfolio may be reviewed as a combined position, each vessel assessed on its own. Owners with other transportation assets may also explore financing secured by a qualifying aircraft, reviewed separately from a marine arrangement.
Selling and borrowing are different tools, and neither is automatically the better choice. Selling converts a vessel to cash permanently and can make sense when an owner no longer needs the yacht. It also means parting with it, working through brokerage and marketplace timing and seasonal demand, incurring sales commissions and survey costs, and facing the challenge of replacing the vessel later.
Borrowing against a qualifying vessel lets an owner retain ownership, preserve personal or business use where the transaction permits, and avoid an immediate liquidation while addressing a separate need or opportunity. It carries its own considerations: financing costs, survey and inspection costs, insurance, any custody or control requirements, berthing and operating expenses, and maintenance obligations, along with default risk. In the event of default, the pledged vessel may be subject to loss.
Timing and market conditions often shape the decision. An owner who does not want to sell into a soft or off-season market, or who relies on the vessel, may prefer to explore alternatives to immediately selling a significant asset. Others may prefer a sale, and it is worth weighing both against your own circumstances. There is more on private-capital considerations for owners of significant assets for those working through the same decision.
Submissions and discussions are handled privately, with ownership and documentation review and condition assessment. Your vessel is not publicly listed or marketed.
Vessels are assessed through independent marine valuation, weighing condition, survey history, engines and maintenance, and comparable transactions rather than any single figure.
Documentation and title review, survey coordination, insurance, and documented, compliant closing are arranged with qualified specialists, so the transaction is handled securely.
Share the builder, model, year, length, engine hours, documentation status, and any survey or records you have. Nothing is required to begin a confidential review, and available documentation helps the assessment move more efficiently.
A specialist reviews ownership, documentation, condition, survey history, engines and maintenance, and comparable market data, and a valuation by TLN is prepared. Survey or inspection coordination may follow for vessels requiring current inspection.
Qualified submissions may receive a preliminary capital offer following ownership and documentation review, survey and condition assessment, TLN's valuation, and underwriting. Final eligibility and terms are subject to documentation and review.
Submit your yacht for a confidential review. Qualified submissions may receive a preliminary capital offer following ownership and documentation review, survey and condition assessment, valuation, and underwriting. Eligibility and terms are not guaranteed.