Spread the cost of commercial dive boats from £20,000 to £200,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, dive boats are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £20,000 to £200,000, and most deals are written over 24–84 months with a deposit of around 15–25%. Decisions typically take 48–72 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£20k – £200k
Approval Speed
48–72 hours
Same-day agreement in principle for < £75k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical dive boat price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £65,000: a 10% deposit of £6,500, then 48 monthly payments of £1,371 at 5.9% APR representative (fixed). Total amount payable £72,308, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Coded Dive RIB, 6–8m (spec class) | £25,000 – £60,000 | Coded Dive Support RIB |
| Cheetah Marine-class Catamaran Dive Boat (spec class) | £60,000 – £120,000 | Catamaran Dive Support Vessel |
| 10–12m Hardboat Dive Charter Vessel (spec class) | £90,000 – £180,000 | Hardboat Dive Charter Vessel |
| Commercial Diving Support Workboat (spec class) | £80,000 – £200,000 | Commercial Diving Support Vessel |
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Check EligibilityDive boats used for business qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements let you claim capital allowances on the vessel; lease payments are generally deductible in full against profits.
Dive boats are bought by recreational dive charter operators, commercial diving contractors supporting subsea inspection and construction work, and marine science organisations needing a stable platform for diver deployment and recovery. A dive boat carrying fare-paying divers must be coded by the Maritime and Coastguard Agency to a category matching its passengers and area of operation, and commercial diving support vessels have additional requirements around diver lifting and recovery equipment. Like other charter and workboat classes, dive boats are mobile assets that can be relocated or sold relatively easily, which pushes finance toward marine specialists rather than generalist lenders. Recreational dive charter operators are often seasonal businesses, so lenders pay close attention to how income is spread across the year when assessing affordability.
Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.
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