Industry Funding — Marine & Boating
Fishing Charter Business Loans — Keep Your Boats Running All Season
Pre-season maintenance, USCG licensing, crew payroll, and gear don’t wait for bookings to come in. We help fishing charter operators get funded before the season starts.
Apr–Oct
Peak Season
24–48 hrs
Funding Speed
$15K–$250K
Typical Range
The Real Problem
Why Charter Operators Run Short on Cash Before the Season Starts
Boat Maintenance Happens Before the First Charter
Engine overhauls, hull inspections, safety equipment, and rigging all need to be done before the season opens. You're writing checks weeks before your first booking pays out.
USCG Licensing and Insurance Renew at the Worst Time
Coast Guard licensing fees, commercial marine insurance, and documentation renewals often fall in the off-season or early spring — right when cash is tightest.
You're Paying Crew Before They've Earned a Tip
Experienced captains and mates don't wait. You're paying seasonal crew upfront to staff pre-season shakedown trips and early bookings before the revenue catches up.
Funding Options
Products Built for the Way Charter Businesses Actually Work
ACH Funding
A lump sum based on your charter business's monthly revenue, repaid via daily ACH debits. No collateral required. Covers pre-season maintenance and crew payroll without waiting on bookings.
Learn More →Equipment Financing
Finance a new charter vessel, outboard engines, sonar and navigation equipment, and fishing gear with the equipment as collateral. Expand your fleet without draining cash reserves.
Learn More →Line of Credit
Revolving access for ongoing operational needs — draw for a parts order, pay it down when a booking clears, draw again for the next repair. Only pay on what you use.
Learn More →The Process
How It Works
01
Apply in 10 minutes
Basic business info and 3 months of bank statements. No tax returns required for most applicants.
02
Same-day decision
Most charter operators get a decision within a few hours of submitting.
03
Funded in 24–48 hours
Money hits your account fast enough to get your boat out of the yard and back on the water.
Ready to Apply?
Don’t Let Cash Flow Cancel Your Season Before It Starts
Most charter operators are funded within 48 hours. Fill out the application and we’ll match you with the right lender for your situation.
Apply Now →Common Questions
Get Started
Your Next Charter Shouldn’t Wait on a Bank That Doesn’t Understand Your Business.
Apply in 10 minutes. Most fishing charter operators get a decision the same day and funding within 48 hours.
Apply Now →