Commercial Fleet Financing
Commercial Fleet Financing
Power Your Business With Flexible Marine Financing
Charter boats, fishing guides, tour operators, and marine businesses — get the outboard motors you need with payment plans that match your cash flow. Serving the San Francisco Bay Area and nationwide.
Who We Serve
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| Business Type | Typical Needs |
|---|---|
| Sport Fishing Charters | High-HP motors, reliability, minimal downtime |
| Bay Tour Operators | Quiet, fuel-efficient motors for passenger comfort |
| Dive Boat Operators | Dependable motors for remote locations |
| Water Taxi Services | Daily-use durability, fast service turnaround |
| Commercial Fishing | Workhorse motors, seasonal payment flexibility |
| Marina & Rental Fleets | Bulk purchases, standardized models, volume pricing |
| Government & Municipal | Compliance, documentation, extended terms |
Why Commercial Fleet Financing Wins
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| vs. Cash Purchase | vs. Standard Consumer Loan |
|---|---|
| Preserve working capital for operations, payroll, and emergencies | Seasonal payments match your revenue cycle |
| Tax advantages — deduct interest and depreciation | Higher approval limits for business credit |
| Build business credit history for future growth | Skip payments during off-season (select programs) |
| Bundle everything — motors, rigging, installation, maintenance | No personal guarantee required (on approved credit) |
Fleet Financing Options
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| Program | Best For | Terms | Features |
|---|---|---|---|
| Seasonal Payment Plan | Charter & tour operators with busy summers | 12-month seasonal terms | Pay only during operating months; skip winter payments |
| Balloon Financing | Businesses planning to upgrade frequently | 36–60 months with balloon | Low monthly payments; refinance or trade at term end |
| Lease-to-Own | Startups testing the market | 24–48 months | $1 buyout at end; full ownership |
| Equipment Line of Credit | Marinas with ongoing needs | Revolving, up to $250K | Draw as needed; pay only on what you use |
| Bulk Purchase Discount | Fleets buying 3+ motors at once | Custom terms | Volume pricing + extended warranties |
What You Can Finance
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| Category | Examples |
|---|---|
| Outboard Motors | New & used Yamaha, Mercury, Suzuki, Honda — all HP ranges |
| Installation & Rigging | Controls, steering, gauges, wiring |
| Maintenance Packages | Pre-paid service plans, parts contracts |
| Trailers & Equipment | Boat trailers, lifts, dock equipment (bundled) |
| Emergency Spare Motors | Backup motors kept in reserve |
Current Fleet Offers
🎉 Summer 2026 Fleet Package Buy 3+ Mercury Pro XS motors, get 15% off + 0% for 12 months Through Mercury Commercial Finance. Includes extended warranties and priority service. [Request Fleet Quote]
🎉 Yamaha Charter Program Seasonal payments for charter operators Pay April–October only. 0% interest on deferred months. Minimum 2-motor purchase. [Apply for Charter Program]
🎉 Fleet Trade-Up Program Trade any 3 running motors + finance new fleet $500 bonus per motor traded. Any brand accepted. Stackable with volume discounts. [Calculate Trade Value]
How Fleet Financing Works
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┌─────────────┐ ┌─────────────┐ ┌─────────────┐ ┌─────────────┐
│ STEP 1 │ → │ STEP 2 │ → │ STEP 3 │ → │ STEP 4 │
│ Consult │ │ Custom │ │ Approve │ │ Deploy │
│ │ │ Quote │ │ & Fund │ │ │
│ │ │ │ │ │ │ │
│ Discuss │ │ We build │ │ Submit to │ │ Motors │
│ fleet size, │ │ a package │ │ commercial │ │ delivered, │
│ usage, and │ │ with volume │ │ lenders; │ │ installed, │
│ cash flow │ │ pricing and │ │ most │ │ and ready │
│ needs │ │ custom terms│ │ approved in │ │ for service │
│ │ │ │ │ 24–48 hrs │ │ │
└─────────────┘ └─────────────┘ └─────────────┘ └─────────────┘Step 1: Fleet Consultation
Call +1 (415) 882-6561 or email fleet@aquamrineoutboard.com. We’ll discuss your fleet size, operating hours, seasonal patterns, and budget. On-site fleet evaluation available in the Bay Area.
Step 2: Custom Quote
We build a tailored package: motor models, quantities, installation schedule, maintenance plan, and financing terms. Volume pricing applied automatically.
Step 3: Approval & Funding
We submit to commercial marine lenders including Sheffield Financial, Yamaha Commercial Finance, and Mercury Commercial. Most approvals within 24–48 hours.
Step 4: Fleet Deployment
Motors delivered and installed on your schedule. We coordinate with your dock or marina. Training provided for your crew on new digital systems.
Fleet Management Support
We don’t just sell motors — we help you manage them.
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| Service | What’s Included |
|---|---|
| Fleet Tracking | Maintenance logs, hour meters, service schedules per motor |
| Priority Service | Jump-the-line repairs; loaner motors during service (select plans) |
| Bulk Parts Program | Pre-stocked common parts at your location or ours |
| 24/7 Breakdown Hotline | Phone support + emergency service dispatch |
| Seasonal Prep | Winterization/summerization fleet-wide, scheduled |
| Resale Assistance | We broker your trade-ins when it’s time to upgrade |
FAQ — Commercial Fleet Financing
What qualifies as a “fleet”? Two or more motors purchased for business use. No minimum HP or brand requirement.
Do I need established business credit? Not necessarily. We work with startups, sole proprietors, and LLCs. Personal credit may be used for newer businesses.
Can I finance used motors for my fleet? Yes, certified pre-owned motors up to 7 years old can be financed at slightly higher rates.
What documents do I need to apply?
How do seasonal payments work? You make payments only during your operating months (e.g., April–October). Interest accrues on deferred months and is paid at season end or rolled into the following year.
Can I add motors to an existing fleet loan? Yes. Our equipment line of credit allows you to draw additional funds as your fleet grows.
Is there a penalty for paying off early? Most of our commercial programs have no prepayment penalty. Ask your fleet specialist for program-specific details.
Do you offer international fleet financing? For US-registered businesses operating internationally (e.g., charter boats in Mexico or Caribbean), yes. Contact us for cross-border documentation requirements.
What happens if a motor fails during the loan term? Factory warranty covers defects. Our priority service plan gets you a replacement or loaner fast. Loan payments may be deferred during warranty repairs (select programs).
Fleet Customer Spotlight
⭐⭐⭐⭐⭐ “Financed 6 Mercury 150s for our charter fleet — seasonal payments saved our cash flow” We run a 6-boat charter operation out of Sausalito. Summer is gangbusters; winter is dead. Aqua Marine structured a seasonal payment plan where we pay April through October and defer November through March. That alone saved us from laying off crew in the off-season. They also stock common parts at our dock, so we rarely wait for repairs. When one motor threw a code at 5 AM on a Saturday, their 24/7 line had a tech walking us through a temporary fix by 5:30. That’s fleet support. — Bay Area Sportfishing LLC (owner Derek S.), Sausalito, CA 6x Mercury 150 Pro XS Fleet — Seasonal Payment Plan — March 2026
Request a Fleet Quote
Ready to Power Your Fleet?
[Request Custom Fleet Quote] | [Call +1 (415) 882-6561] | [Email fleet@aquamrineoutboard.com]
Aqua Marine Outboard — Commercial Division 1428 Wallace Ave San Francisco, CA 94124📞 Fleet Hotline: +1 (415) 882-6561 ✉️ Fleet Email: fleet@aquamrineoutboard.comHours: Monday–Friday: 9:00 AM – 6:00 PM (PST) Saturday: 9:00 AM – 2:00 PM (PST)
Our Fleet Promise
✅ Free Fleet Consultation — On-site in the Bay Area, remote nationwide ✅ Volume Pricing — Better rates for 2+ motors ✅ Custom Terms — Seasonal, balloon, or revolving credit ✅ Priority Service — Jump-the-line repairs, loaner motors ✅ Dedicated Account Manager — One point of contact for your fleet ✅ 24/7 Breakdown Support — Because fish don’t wait for business hours