Boat Financing Loan for business

A Boat Financing Loan is also know as a Chattel Mortgage.  It is used by businesses wanting to purchase a new or used boat for commercial use.  Businesses from sole traders, partnerships and trusts to large corporations can use a Chattel Mortgage to secure a loan against a boat.  The business owns the boat from the start of the agreement.

To qualify for a chattel mortgage you must:

  1. Be an ABN holder.
  2. The boat or motor vessel must be used for a minimum of 50% business use.

Advantages of a Boat Financing Loan

  • Up to 100% finance, no deposit loan for approved customers.
  • GST registered customers can claim the GST portion of the purchase price.
  • Access to possible tax benefits where the boat is used to generate income (check with your accountant).
  • No GST is charged on the monthly mortgage repayments.
  • Low establishment fees and monthly fees with no pay out penalties.
  • Terms from 1 to 7 years.
  • Fixed interest rate.
  • Fixed monthly repayment schedule.
  • Boat loans from $5000.
  • Balloon payments are available.

Apply for Boat Financing Loan

Call one of our AAA Marine Finance Specialists today to get your business on the water tomorrow!

Call (07) 5493 1222 or make a Quick Loan Enquiry Now.  One of our friendly team members will be in contact with you shortly.


Insurance is a must.  It protects both your boating asset and your boat financing loan.  Comprehensive Boat Insurance is a mandatory requirement by all of our lenders.  We offer very competitive comprehensive boat insurance.   Call today for a quote.  Gap Insurance and Loan Protection Insurance are both products that protect your loan and your credit rating.
Boat Financing Loans for business use

Useful link |  National Standards for Commercial Vessels

The Australia Maritime Safety Authority has become the single national regulator from 1st July 2013.  The AMSA will be reviewing the National Standards for Commercial Vessels.  This link can help you keep up to date.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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