Call Us : 207-994-5109
Mon – Fri: 8 am to 9 pm & Sat – Sun: 10 am to 8 pm
Call Us : 207-994-5109
Mon – Fri: 8 am to 9 pm & Sat – Sun: 10 am to 8 pm
Own the boat. Use it for yourself. Charter it out part-time to offset overhead, slip fees, insurance, and maintenance. Float Finance structures part-time charter loans built for owners who want their boat to work for them when they’re not on it.
Not every boat owner wants to run a full-time charter business. A lot of owners just want to use their boat the way they bought it to be used—on their own schedule—and bring in some income on the days they’re not aboard. Charter the boat 50 days a year, cover your slip fees and insurance. Charter it more, build real revenue. The hybrid model works.
Most lenders won’t structure a deal for a boat that’s part personal and part commercial. They want it in one box or the other. But not us. Float Finance has financing programs built specifically for part-time charter use—where the vessel is owned and used personally but generates charter income on the side to offset overhead costs.
It’s the smart play for owners who want the freedom of a personal boat without absorbing 100% of the cost. We’ll help you structure the loan, talk through the implications for insurance and taxes, and connect you with operators who can manage the charter side if you’d rather not handle bookings yourself.
207-994-5109
Easily calculate your monthly boat loan payments with our user-friendly finance calculator. Simply enter your loan amount, cash down payment, interest rate, and loan term to get an instant estimate of your monthly payments. Then think about how many charter days per month it would take to cover that payment. The numbers usually surprise people in the best way.
Our team will walk you through how part-time charter financing works, what’s required, and how charter income can offset your monthly payment.
Fill out an application at the bottom of this page to start the process. Once we have processed your information, we can get you a quote in a 12-24 hour window depending on business hours.
The hybrid owner/charter model is one of the smartest ways to own a serious boat without absorbing 100% of the cost. With Float Finance, you’re working with a team that understands the structure and won’t try to force your deal into the wrong box.
Part-Time Charter Programs Most Lenders Don’t Offer
Most marine lenders treat any charter use as commercial-only and decline part-time hybrid arrangements. We’ve built programs specifically for owners who want personal use plus charter income—structured correctly from the start.
We Help You Plan the Income Side
We can talk through realistic charter day projections, common offset arrangements, and what owners on similar boats are bringing in. It’s not financial advice, but it’s grounded experience from working with hundreds of marine borrowers.
Based in Alton Bay, Lending Nationwide
We’re a New Hampshire marine lender by location, but our part-time charter program serves owners in all 50 states. Wherever your boat lives, we can structure the deal.
207-994-5109
Get started by applying online below. We’ll review your application along with how you plan to use the vessel, then follow up with the part-time charter structure that fits your goals. By then, we’ll have the best information possible to help you put your boat to work.
Tell us a little bit about yourself and the boat you are looking to finance.
