Whether you’re running a marine tourism venture, a watersports hire business, or expanding a coastal tour company, the right marine equipment can make or break your operations. But with high upfront costs and seasonal income fluctuations, buying boats, jet skis, and other marine gear outright isn’t always feasible. That’s where flexible business finance options come in.
At Capital Plus Finance, we help small to medium business owners across Australia access tailored equipment finance solutions to support marine-based operations. Whether you’re upgrading your fleet or launching a new water-based service, this guide explores how marine equipment finance can help you grow without sinking your cash flow.
Table of Contents
- Why Marine Businesses Need Flexible Finance Options
- What You Can Finance: Boats, Jet Skis, and More
- Choosing the Right Marine Equipment Finance Solution
- How Capital Plus Finance Can Help
Why Marine Businesses Need Flexible Finance Options
Running a marine business in Australia is both rewarding and challenging. From tourism operators in the Whitsundays to jet ski rental businesses on the Gold Coast, managing cash flow during off-peak months and keeping your equipment in top shape are ongoing priorities.
Key financial challenges faced by marine businesses include:
- High upfront costs for boats, trailers, safety equipment, and maintenance
- Seasonal revenue patterns due to weather and tourism demand
- Depreciation of marine assets over time
- Compliance costs with maritime safety standards
That’s why many businesses turn to equipment finance or small business loans in Australia to secure necessary capital without draining working funds. A structured finance solution helps balance repayments with revenue and enables strategic reinvestment in other areas of your business.
What You Can Finance: Boats, Jet Skis, and More
Whether you’re just starting out or scaling up, there are a wide range of marine assets you can finance. At Capital Plus Finance, we connect you with over 40 trusted lenders to ensure the right fit for your goals and budget.
Common marine equipment eligible for financing includes:
- Commercial boats (tour, fishing, dive, or charter vessels)
- Jet skis and personal watercrafts for hire or instruction
- Inflatable rescue boats (IRBs) or RIBs for surf clubs or adventure tours
- Outboard and inboard motors
- Safety and navigation equipment (e.g. GPS, radios, life jackets)
- Boat trailers and towing vehicles
- Docking systems and storage solutions
Equipment finance can cover both new and used assets and often includes related installation or setup costs.
Choosing the Right Marine Equipment Finance Solution
Marine businesses aren’t one-size-fits-all—and neither should your finance solution be. The right structure depends on your business goals, tax position, and cash flow requirements.
Popular options include:
Chattel Mortgage
Ideal for businesses wanting to own the asset at the end of the term. You claim GST upfront, and repayments are fixed, making budgeting easy.
Commercial Hire Purchase
A flexible arrangement where you hire the equipment over a set period and gain ownership once final payment is made.
Finance Lease
You lease the asset and make regular payments. At the end of the lease, you can upgrade or purchase the asset outright.
Operating Lease
Perfect for seasonal or short-term usage. You pay for the time you use the asset without taking ownership.
When choosing a marine finance solution, consider:
- Upfront deposit requirements
- Length of the loan term
- Fixed vs variable interest rates
- End-of-term options (ownership or upgrade)
- Tax deductibility and GST treatment
How Capital Plus Finance Can Help
As a leading equipment finance broker based in Sydney and The Hills Shire, Capital Plus Finance understands the unique needs of Australian small and medium marine businesses. With access to over 40 lenders, we offer tailored support to help you finance boats, jet skis, and related equipment—without compromising your cash flow.
Why choose Capital Plus Finance?
- Expert brokers who understand your industry
- Fast approvals and flexible terms
- Custom finance structures that align with seasonal cash flow
- Access to niche lenders for specialised marine equipment
- Personalised service from a Sydney-based team
Our goal is to make financing simple and stress-free so you can focus on what you do best—running a thriving marine business.
FAQs
Can I finance second-hand marine equipment?
Yes, many lenders allow financing for used boats, jet skis, and marine equipment, provided they meet condition and age criteria.
What documents do I need to apply for marine equipment finance?
Typically, you’ll need proof of identity, business ABN, financial statements or BAS, and a quote or invoice for the equipment.
Are seasonal repayments available?
Absolutely. Seasonal repayment structures are available to align with your cash flow—perfect for tourism operators or fishing businesses with peak and off-peak periods.
Is marine equipment finance tax deductible?
In most cases, interest and depreciation may be tax-deductible. Speak to your accountant or financial adviser for tailored advice.
About Capital Plus Finance
Capital Plus Finance is an Australian-owned equipment finance broker helping businesses of all sizes access the capital they need to grow. With a strong focus on small business loans, equipment finance, and industry-specific funding solutions, we pride ourselves on fast service, competitive rates, and flexible terms. Based in Sydney and serving businesses Australia-wide, we work with over 40 trusted lenders to get you the best deal—no matter what industry you’re in.
Ready to upgrade your marine gear or launch a new water-based service? Talk to Capital Plus Finance today and discover flexible equipment finance solutions tailored to your business.
