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Yacht & Aircraft Financing in Orange County's Coastal Cities
By Christopher Chavez, Founder — Northwood Capital Group
Yacht and aircraft financing in Orange County serves owners from Newport Beach, Huntington Beach, Laguna Beach, Dana Point, San Clemente and Seal Beach who want to buy or refinance a vessel or private aircraft. Northwood Capital Group LLC is based in Orange County and finances yachts and aircraft nationwide.
The short answer: yacht loans run $200K–$5M for vessels 25'–100' and 10 years old or newer, 2–10 year terms, 50–75% LTV, with real estate accepted as extra collateral. Aircraft financing runs $500K–$70M+ for jets, turboprops and helicopters, 24–180 month terms with amortizations up to 20 years.
Yacht vs. aircraft financing at a glance
| Yacht financing | Aircraft financing | |
|---|---|---|
| Amount | $200K–$5M | $500K–$70M+ |
| Asset | 25'–100', 10 years or newer | Jets, turboprops, helicopters |
| Term | 2–10 years | 24–180 months, amortization up to 20 yrs |
| Leverage | 50–75% LTV | Based on aircraft, use and credit |
| Structures | Purchase or refinance; real estate as added collateral | Loans, operating/capital leases, sale-leasebacks, refinance |
| Credit | Reviewed with liquidity and collateral | Strong and challenged credit considered |
Orange County coastal cities we serve
Newport Beach
Newport Harbor is one of the largest recreational harbors on the West Coast, and John Wayne Airport (SNA) sits next door — so Newport Beach owners often finance both a yacht and a jet. Purchases, refinances and cash-out on a paid-off vessel are all reviewed.
Huntington Beach & Seal Beach
Huntington Harbour and nearby Alamitos Bay serve many 30'–60' cruisers and sportfishers. Financing works for dealer sales and private-party purchases with a clean title and marine survey.
Laguna Beach, Dana Point & San Clemente
South County owners commonly keep boats at Dana Point Harbor. Pledging real estate as additional collateral can lower the cash needed at closing.
Long Beach & Coastal LA
Long Beach marinas and Long Beach Airport (LGB) serve owners across the coast. See our California lending hub for local programs.
Business use: jets and charter
- Part 91: a company aircraft for executive travel from SNA, LGB or Fullerton.
- Part 135: charter operators adding or refinancing aircraft.
- Sale-leaseback: unlock equity in an owned aircraft to fund the business — compare with real estate-backed loans.
Documents to prepare
- Purchase agreement or listing with year, length/model and price
- Personal financial statement and recent tax returns
- Last four months of bank statements, downloaded as PDFs from your bank
- Marine survey (yacht) or logbooks and pre-buy inspection (aircraft)
- Property details if pledging real estate as additional collateral
How to apply
Start on the yacht financing page or the aircraft financing page, apply online, or call (714) 679-8886. Approval is subject to review and is never guaranteed.