Yacht Financing Florida

Fast Funding for Yacht Financing in Florida!

In the competitive world of Florida yachting, the best opportunities don’t wait for bank approvals. Whether you are looking to secure a time-sensitive purchase, bridge the gap for a custom build, or unlock the equity in your current vessel, our asset-based lending solutions provide the speed and flexibility that traditional institutions simply can’t match. We specialize in high-value marine financing across the Sunshine State—from Miami’s luxury marinas to the Gulf Coast’s premier shipyards—focusing on the liquidation value of your yacht rather than your personal credit score or tax returns. When the deal is on the table, we provide the private capital you need to seize it, closing in days so you can get back to the open water.

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Why Choose Us for Yacht Financing in Florida?

Fast Funding

Close in as little as 48 hours

High LTV

Up to 80% purchase price

No Income Verification

Asset-based lending

Interested in Detailed Discussion?

Connect with Florida’s Real Estate Funding Expert

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The Process of Getting a Yacht Financing Loan in Florida

Step-1: Discovery

Connect with our Florida Funding Expert & discuss your proposal. If everything looks good, we will move to the next step.

Step-2: Diligence

Our team of experts will evaluate the deal & share their insights & take on the proposed deal.

Step-3: Deal!

After agreeing upon the values & timelines, the contract will be signed & the funds will get processed.

Cities We Service in Florida

Loans We Offer in Florida

Why Investors Choose Us to be their Private Money Lenders in Florida?

Our loans start at 9.99%

Upto 80% LTV

We close deals in 4-7 days!

Need Proof of Funds Letter for Your Florida Deal? Get it Now!

Hard Money Lender Florida is a direct lender & not a broker! Our NMLS is: #1390213

Meet Florida's Real Estate Expert :
Yuval Elkeslasi

Yuval Elkeslasi, the driving force behind Hard Money Lenders IO, has established a significant presence in the finance industry. Hailing from Queens, NY, his innovative lending strategies have reshaped the landscape. Armed with a bachelor’s degree in Finance from Florida State University, Yuval’s career has soared to unprecedented heights.
Under his guidance, Hard Money Lenders IO has introduced a diverse range of loan programs, each tailored to specific needs. These include fix and flip, new construction, cash-out refinance, rental property loans, and even yacht loans. His instrumental role in securing an $8 million construction loan for a spec home builder in Port Royal, Naples, and managing the financing for a 72’ 2024 Viking Convertible, valued at $7.2 million, is a testament to his expertise.
His dedication to providing personalized service, competitive rates, and flexible financing options is unparalleled. His deep understanding of the lending market allows him to work closely with clients, valuing their unique needs and identifying the best solutions. Whether it’s residential projects or luxury yacht financing, Yuval is committed to helping clients achieve their financial goals with expertise and professionalism.

Yuval Elkeslasi

Answers You Might Be Looking For

What is a Hard Money yacht loan?

Unlike traditional marine financing that focuses on your credit score and debt-to-income ratio, a hard money loan is asset-based. We prioritize the current liquidation value of the yacht itself. This allows for much faster funding and provides a solution for borrowers with complex financials, foreign citizenship, or time-sensitive opportunities.

How fast can I get funded?

In the Florida market, speed is our primary advantage. While a traditional bank may take 45–60 days, we can typically move from application to funding in 3 to 7 business days, provided a recent survey and clear title are available.

Do you require a credit check or tax returns?

While we may pull credit to understand your financial background, a low score is rarely a deal-breaker. We do not typically require the years of tax returns or exhaustive “proof of income” that retail banks demand. Our underwriting is focused on the equity in the vessel.

What are the typical loan terms?

Because hard money is designed as a short-term solution, our terms generally include:

Loan-to-Value (LTV): Typically up to 50%–70% of the hull’s surveyed value.
Duration: 1 to 3 years (ideal for bridge-to-sale or refit periods).
Repayment: Often structured as interest-only payments to preserve your monthly cash flow.

Can I finance a yacht for commercial or charter use?

Yes. Traditional lenders often shy away from non-conforming uses like term charters or Airbnb stays. Because we are private lenders, we can approve loans for yachts intended for commercial use in Florida or the Bahamas.

What documents do I need to get started?

To provide a term sheet, we generally only need:

A completed 1-page application.
A recent Marine Survey (usually within the last 6 months).
A copy of the Vessel Abstract of Title or Coast Guard Documentation.
Color photos of the vessel.

Do you lend to foreign nationals?

Absolutely. Florida is a global hub for yachting. We frequently work with international buyers who have significant liquidity but lack the U.S. credit history required by domestic retail banks.