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Whether you’re expanding your charter fleet, launching a luxury river cruise operation, or refitting an ocean-going passenger vessel, Float Finance offers cruise ship financing solutions built to support complex, large-scale marine transactions. We help cruise operators across the U.S. secure the vessels they need to grow, serve, and succeed.
Float Finance understands that cruise ship financing is far more than a standard loan—it’s a strategic investment in hospitality, safety, and scalability. That’s why we offer custom marine lending programs designed for the cruise industry, including financing for riverboats, small-ship cruise lines, luxury charters, sightseeing vessels, and full-service floating resorts.
Whether you’re purchasing a new ship, retrofitting an older hull, or building from the ground up, we offer milestone-based loan disbursements, insurance coordination, and guidance on Coast Guard documentation and commercial compliance. Our team helps ensure your vessel meets capacity, safety, and regulatory expectations while providing a funding plan that keeps your business afloat—financially and operationally.
(603)409-2895
Financing a cruise vessel is a major decision—one that requires careful planning. Our advanced Boat Loan Calculator is designed for high-value commercial transactions and helps you estimate monthly payments, loan duration, and total interest based on your vessel type and financial goals.
This tool helps cruise line owners and operators model cash flow, compare financing structures, and prepare for capital investments. Once you’ve reviewed the numbers, our advisors work with you to build a custom loan offer that fits your business’s trajectory.
Our staff will always get it right and get the numbers that you are looking for options with all boat loans.
File out an application to 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.
When it comes to passenger vessels, you need a lending partner who understands the complexity of the industry. Float Finance delivers cruise ship financing services with unmatched attention to detail and industry expertise.
Experience With Passenger Vessel Lending
We understand vessel tonnage, safety requirements, and the operational expectations tied to passenger service. From permits to dockage considerations, we structure loans that work in your real-world context—not just on paper.
Custom Financing Structures for Complex Builds
Whether you’re converting a river barge into a luxury cruise experience or working with a shipbuilder on a new design, we offer phased disbursements and inspection-based releases to keep your financing aligned with your build timeline.
Responsive, Nationwide Support
We serve cruise operators and charter companies across the U.S. Our team provides direct access to marine loan advisors who help you navigate documentation, closing, and deployment—quickly and confidently.
(603)409-2895
EXCELLENT Based on 8 reviews Max Gook2025-05-21Trustindex verifies that the original source of the review is Google. I don’t even know where to start with this review! Dylan is amazing to work with and is extremely knowledgeable. Any issues are resolved immediately and in a timely manner! Would highly recommend Dylan and float for any boat or recreational loans! Adam Rosenthal2025-01-02Trustindex verifies that the original source of the review is Google. Dylan is incredibly dedicated and knowledgeable when it comes to boat financing. You can trust Float Finance to provide expert guidance and great service every step of the way. Trent Linville2024-12-31Trustindex verifies that the original source of the review is Google. Highly recommend Float Finance. Dylan is extremely knowledgeable and helpful! Matthew Henck2024-12-30Trustindex verifies that the original source of the review is Google. Float is a great company that excels in communication and professionalism. It’s a great feeling when a business genuinely cares that you get a good product, and is with you every step of the way. Jack St Sauveur2024-12-30Trustindex verifies that the original source of the review is Google. Dylan is a very smart and creative person. Float Finance is something that Dylan has built from the ground up through dedication and passion for the industry. Seeing his success is no surprise as he craves that feeling of helping others. Give Dylan your business and I promise you won’t be let down. Geoffrey Duffy2024-12-30Trustindex verifies that the original source of the review is Google. Dylan with Float Finance was a pleasure to work with. Helped with any questions we had throughout the whole process. Made to whole process enjoyable! Highly recommend using them. Nick Datillo2024-12-30Trustindex verifies that the original source of the review is Google. Float Finance provided excellent customer service and made the financing process simple. Highly recommend! Brett Marcimo2024-12-30Trustindex verifies that the original source of the review is Google. Excellent rates and professionalism working with Float Finance! Will use them for my next boat loan!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
From day cruises to destination adventures, Float Finance delivers the cruise ship financing you need to elevate your brand and grow your fleet. Start your loan strategy with a trusted partner who understands the journey ahead.
Float Finance offers flexible financing for boats and yachts across the USA. We offer competitive rates, expert guidance and reliable support. At the end of the day, we make boat financing easy so you can get right on the water.
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