frequently asked questions

Typically, a lender will require a first priority mortgage over the asset to be financed, together with an assignment of insurances, a pledge of ownership interests in the limited company owning the asset and an agreement with the manager or operator. 

The beneficial owner is often expected to provide guarantee to support the obligations of the borrower under the financing facility, but additional security or collateral is unlikely to be required.  

The yacht and business aviation financing market is somewhat opaque and lenders tend to focus lending appetite on certain niches. That might be their home region, client profile, or the specifics of the asset itself. Researching and identifying potential lenders and exploring their appetite to provide support is feasible, but can be very time consuming and avail sub-optimal results. 

Atlantic Capital Advisory Limited has an extensive network of global lenders and significant experience of aligning financing needs with credit appetite while negotiating optimal terms with a sense of urgency, saving you time and expense.

This depends on a number of factors, primarily the current age of the asset, and the selected lender’s appetite for long-term commitments. Typically, loan facilities are agreed for a five-to-seven-year term, with a balloon repayment at maturity to affect a longer repayment profile of perhaps twelve to fifteen years.

Yes, this is generally possible, but will depend on the builder or OEM and the project location, the terms of the purchase agreement and the collateral offered by the builder or OEM. Not all lenders have appetite for construction risk, but Atlantic Capital Advisory Limited has considerable experience sourcing and arranging construction financing for both yachts and aircraft.

Yes. While a significant portion of the credit market in the private marine and aviation sector focuses on European and US residents, through its global lender network, Atlantic Capital Advisory Limited has the ability to secure competitive financing solutions for clients globally.