Marina pontoon finance
Funding for marina berthing systems, including concrete and aluminium pontoons, finger berths, piles, tidal gangways, service posts and metered utility pedestals.
Whole-of-market — 60+ lenders searched, including
Can you finance a marina pontoon?
Yes, with a caveat about what counts as the asset. A marina pontoon system is funded as commercial equipment on hire purchase or lease, assessed on the berthing income the installation will produce. New systems from established manufacturers are the norm and used pontoons rarely change hands in any organised way. The complication is that once piles are driven and pontoons are anchored to the seabed, the installation starts to look like part of the site rather than movable plant, so funders look carefully at the distinction between the fabricated units and the fixed civil works.
Used kit: Rarely — second-hand pontoon systems seldom trade in any organised market, so funders work with new installations from recognised manufacturers.
Get a quoteor call 0333 772 4864
What would a marina pontoon cost per month?
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
How lenders treat it
Berthing systems are placed with commercial equipment funders comfortable with installed assets rather than with marine boat lenders, because nothing here floats away to be repossessed in the usual sense. The funder will want the berthing income, the occupancy position and the lease or ownership of the water space, since a marina on a short seabed lease presents very differently from a freehold basin. Expect scrutiny of what is actually being funded: the pontoon modules, fingers, gangways and service posts are equipment, while piling, dredging and shore works are site costs. Note too that a berth licence sold to a boat owner is a service contract, not an asset, which is why boat finance can never include the mooring.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Walcon Marine Compass pontoon | Concrete marina pontoon system |
| Walcon Marine System 12 pontoon | Aluminium pontoon and finger berths |
| SF Marina SF 340 concrete pontoon | Heavy duty floating concrete pontoon |
| Inland and Coastal Marina Systems pontoons | Marina berthing pontoon installation |
| Poralu Marine aluminium pontoon | Aluminium berthing pontoon system |
| Marinetek floating breakwater | Wave attenuating floating breakwater |
| Bellingham Marine Unifloat pontoon | Concrete pontoon and pile system |
| Rolec Marina Services service pedestal | Power and water berth pedestal |
| Dean Marine guide piles and pile guides | Steel piling and pontoon restraint |
| Walcon Marine access gangway and brow | Shore access gangway installation |
Get a quoteor call 0333 772 4864
Who buys one
Marina operators replacing timber pontoons that have reached the end of their life, harbour authorities adding visitor berthing, inland marinas expanding basins, and hotels or estates creating berthing to serve a waterside development. The trigger is usually a berth waiting list that will not clear, or a system that has begun to fail inspection and is costing more in repairs each winter than it is worth keeping.
Get a quoteor call 0333 772 4864
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Marina pontoon finance questions
Can the piling be funded with the pontoons?
Usually not in the same agreement. Driven piles and any dredging or quay work are site works that become part of the property, while the floating modules, fingers and service posts are equipment. Budget the marine civils separately from the pontoon supply. Manufacturers normally quote supply and installation as separate figures, which helps.
Does it matter that we lease the seabed?
Yes, it matters to the funder. A short remaining lease on the water space against a long funding commitment is a genuine issue, so bring the lease details early. Operators with long leases or freehold basins have a materially easier time. Renewal discussions with the landlord of the water space are worth starting early.
Can service posts and metering be included?
Generally yes. Power and water pedestals, metering and lighting are identifiable equipment installed on the berth and are usually funded alongside the pontoons. They also tend to pay for themselves by putting utility recharges on a proper footing. Metered pedestals also end most disputes with berth holders about electricity use.
We are phasing the installation. Can finance follow the phases?
It usually can, and phasing is common on larger basins. Each phase can be drawn as its own agreement as it is delivered and commissioned, which matches the spend to the berths actually coming into revenue rather than funding everything at the outset. It also lets you test demand for the new berths before committing to later phases.
Why can a boat owner not finance their berth with their boat?
Because the berth is a licence to use space, not an asset they own. A berth agreement is a contract with the marina and can be withdrawn or transferred, so there is nothing for a boat funder to take security over. Boat and berth are always separate commitments.
Get a quoteor call 0333 772 4864
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.