Industry Funding — Marine & Boat Services
Marine & Boat Service Funding — Capital for Your Busiest Season
Parts and labor are paid upfront. Customers pay when the boat is back in the water. We help marine service businesses close the gap between the work and the payment.
May–Aug
Peak Season
24–48 hrs
Funding Speed
$20K–$300K
Typical Range
The Real Problem
Why Marine Service Shops Run Out of Cash Mid-Season
Parts and Labor Upfront, Payment Later
Marine repairs involve expensive parts — engines, outdrives, electronics — all purchased before the customer settles the bill. On a $20,000 repower job, you're carrying that cost for weeks before the check arrives.
The Season Is Short and Unforgiving
May through August is when 80% of marine service revenue happens. If you run out of cash in June, you don't get to make it up in December. Every missed job in peak season costs double.
Winter Storage Creates a Spring Capital Need
Customers picking up boats after winter storage expect work done before launch. Parts and labor for spring commissioning all come due before the season's revenue begins.
Funding Options
Products Built for the Way Marine Businesses Actually Work
ACH Funding
A lump sum based on monthly revenue repaid via daily ACH debits. No collateral required. Ideal for covering parts purchases and payroll while waiting on customer payments.
Learn More →Equipment Financing
Finance marine lifts, diagnostic equipment, service vehicles, and specialty tools with the equipment as collateral. Expand capacity without draining working capital.
Learn More →Line of Credit
Revolving access across multiple jobs. Draw for parts on one repair, pay it down when the invoice clears, draw again for the next. 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 applications get a decision within a few hours.
03
Funded in 24–48 hours
Money hits your account fast enough to order parts and get boats back in the water.
Ready to Apply?
Stop Fronting Parts Costs Out of Your Own Pocket
Most marine service businesses 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
Browse by Business Type
Find the Page Built for Your Specific Business
Every marine business has different cash flow patterns and capital needs. We have pages built specifically for each type.
Fuel dock inventory, boat lifts, slip management
Pre-season maintenance, USCG licensing, crew payroll
Fleet upkeep, insurance premiums, seasonal staffing
Fleet depreciation, off-season repairs, insurance
Spring launch labor, travel lift repairs, haul-out staffing
Get Started
Every Boat Back in the Water Is Revenue. Let’s Keep Them Moving.
Apply in 10 minutes. Most marine service businesses get a decision the same day and funding within 48 hours.
Apply Now →