Marine financing · Spanish & Italian Mediterranean

Yacht & boat financing estimator

See the monthly payment for a loan or a leasing in Spain or Italy. Adjust the boat price, down payment and duration, then submit for an independent, bespoke study when it looks right.

Independent maritime credit intermediariesSpanish & Italian tax optimizations (IEDMT & leasing)Zero Nautelo brokerage markup

Compare a loan and a leasing with our partners' conditions

Why arrange marine credit with Nautelo partners?

Specialized maritime financial entitiesMarine loans differ from conventional mortgages. Our partners specialize in nautical asset valuations, marine registry mortgages and flag requirements.
Spanish IEDMT & Italian VAT frameworksAdvisory on the Spanish registration tax (Impuesto de Matriculación) and nautical leasing eligibility for motor yachts and sailing catamarans.
Cross-border Mediterranean deliveryFinancing structured whether the vessel is berthed in the Balearics, Costa Brava, the Ligurian Riviera, Sardinia or the Bay of Naples.

Loan vs. nautical leasing

In Spain and Italy, the choice between traditional maritime credit and nautical leasing depends mainly on VAT status:

Préstamo náutico (marine loan)

The buyer owns the boat from day one with a bank mortgage registered in the maritime registry. Ideal for pre-owned vessels where VAT is already settled.

Leasing náutico (financial lease)

The leasing institution purchases the vessel and leases it to the user with a purchase option at the end. Suited for new shipyard vessels or export structures.

Strict regulatory complianceNautelo operates exclusively as an introductory maritime marketplace. It does not hold client deposit funds, extend credit itself, act as a credit broker without a licence, or provide escrow. All financing applications are referred directly to accredited financial institutions.

Next step

Request a financing study

Tell us about the boat and we will come back with the options lenders in Spain and Italy usually have for it. The estimate above is illustrative; a study is a first conversation, not a promise of credit.

Clear step-by-step journey

How marine financing works

Estimate & preliminary study

Calculate terms and send your profile. A partner marine financing specialist contacts you within 24 hours to analyze your situation and explain whether a loan or leasing is favorable.

Lender dossier & review

The documentation is presented to accredited marine credit bodies. Pre-review terms and exact interest matrices are presented for you to compare.

Survey & maritime settlement

Upon successful marine survey and notary/flag mortgage inscription, the lender releases the funds directly to the registered seller or shipyard for vessel delivery.

Leasing in Spain

Nautical leasing (leasing náutico) lets a person or a company use a boat while the lessor keeps legal title during the contract. It is often used for boats in charter or company use. Tax treatment depends on your situation, so confirm it with an adviser.

Leasing in Italy

In Italy a boat lease (locazione finanziaria nautica) is common for pleasure and commercial craft. VAT and registration rules apply, and lenders normally ask for a survey report. Confirm the details with an adviser.

Documents lenders usually ask for

Independent surveyor report on hull and engines
Two years of company accounts, or personal tax returns
Builder's certificate (new boat) or registry extract (used boat)
Insurance quote or binder for the boat

Nautelo does not lend money and does not hold funds. Rates, terms and the final decision are the lender's.

Got questions?

Frequently asked questions

Can non-resident citizens obtain boat financing in Spain or Italy?

Yes. Many Mediterranean marine banks provide loans and leasing to EU and non-EU citizens, provided the vessel stays in designated territorial waters and the applicant provides certified tax documents in their country of residence.

Is a pre-purchase marine survey mandatory for lenders?

For pre-owned vessels, accredited marine credit institutions almost always require an independent hull and machinery survey to confirm market valuation and seaworthiness before disbursing funds.

How does the Spanish matriculation tax (IEDMT) affect financing?

In Spain, vessels over 8 metres in length used by tax residents are subject to the 12% IEDMT tax. Some lenders allow this tax to be included in the financed principal, while others require it to be settled separately upon vessel flagging.