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Refinancing &
Cash Recapture
Lower your cost of capital, unlock equity, or restructure ownership. Private programs through top marine lenders, placed with precision and discretion.
8,500+
Closed Loans
$10M+
Large Structures
50
States Served
Refinancing
Flexible structures for every ownership goal, tailored to how you use and finance your yacht.
Vantage works with top marine lenders to deliver refinancing and cash recapture options for new and used vessels, complex entities, and owners who want a smarter capital strategy without compromising service.
Get Pre-ApprovedProgram Highlights
Designed For Real Ownership Scenarios
Our lender network supports a wide range of refinancing objectives — from lowering payments to unlocking liquidity while keeping your yacht strategy intact.
Competitive Rates
Marine-focused lenders that understand yacht collateral, borrower quality, and the nuances of higher-value transactions.
New & Used Units
Programs for a broad range of yacht ages, including transactions needing longer amortizations and thoughtful lender placement.
Terms Up to 300 Months
Stretch payment flexibility with structures designed to improve monthly efficiency while keeping you in the yacht you love.
U.S. & Caribbean Coverage
Programs serving all 50 states as well as common Caribbean ownership and cruising considerations.
LLCs & Trusts Welcome
We help place transactions involving entities and trusts with lenders experienced in evaluating complex ownership structures.
Charter Program Options
Whether usage is limited or more active, we guide you toward lenders comfortable with charter-oriented ownership profiles.
The Process
How Refinancing Works With Vantage
A streamlined approach built to move quickly without sacrificing the judgment that complex marine transactions require.
Submit & Review
Share your goals, vessel details, and current loan. We assess your scenario and identify the best-fit lender options across our network.
Program Selection
We present qualified programs with rate, term, and structure details so you can compare options and choose with confidence.
Close & Recapture
We manage the closing from start to finish — coordinating lenders, title, and documentation for a smooth, efficient transaction.
Experience You Can Trust
Credibility is everything in high-value marine finance.
From rate-and-term refinances to equity recapture, LLC ownership, and charter-sensitive structures, we help owners navigate lender options with discretion, speed, and the program fit that best supports the next chapter of ownership.
Why Vantage
The right partner for high-value transactions.
Owners and advisors come to Vantage when the transaction needs lender access, communication, and judgment that go beyond a generic loan quote.
Get Pre-ApprovedDedicated Marine Lender Network
Lenders who specialize in yacht transactions — not bankers who treat your vessel like a car loan.
Discreet, Private Process
Your profile is shared only with lenders you authorize, protecting your privacy from first contact to close.
Complex Structure Experience
LLCs, trusts, charter usage, multi-state documentation — we have seen it before and know how to place it correctly.
End-to-End Coordination
From first submission to funding, we manage every step — so you focus on the vessel, not the paperwork.