Spread the cost of outboard engines from £3,000 to £45,000+ with flexible finance options. HP, lease, or refinance
Yes, outboard engines 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 £3,000 to £45,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£3k – £45k
Approval Speed
24–48 hours
Same-day for < £25k
Rates From
5.2% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical outboard engine price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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 |
|---|---|---|
| Suzuki-class Commercial Outboard, 40–70hp (spec class) | £4,500 – £9,000 | Mid-Range Four-Stroke Outboard |
| Yanmar/Suzuki-class Commercial Outboard, 90–140hp (spec class) | £9,000 – £16,000 | High-Output Four-Stroke Outboard |
| Mercury-class Commercial Outboard, 150–200hp (spec class) | £15,000 – £26,000 | Commercial Workboat Outboard |
| Twin Mercury/Suzuki 250hp+ Outboard Set (spec class) | £28,000 – £45,000 | Twin High-Horsepower Outboard Set |
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For UK limited companies with 3+ months’ trading and monthly revenue.
Outboard engines 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 engine; lease payments are generally deductible in full against profits.
Outboard engines are bought by RIB and workboat operators, dive and charter businesses, harbour authorities and fisheries, often to repower an existing coded hull rather than as part of a new vessel purchase. Because the engine is normally being fitted to an already-coded boat, lenders tend to focus underwriting on the hull it's going onto and the operator's trading history rather than treating the engine as a standalone MCA coding question. Outboards are relatively easy to remove and move between vessels or sell privately, which is one reason lenders prefer to finance the engine alongside the boat, trailer or other marine equipment it serves rather than in isolation. Hours run and service history, more than calendar age, determine what a used outboard is worth.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.