Refinance an Upcoming Maturity
Replace a maturing vessel loan with a new facility aligned with current asset value and earnings.
Replace, Restructure or Expand Existing Vessel Debt
Maritime Asset Refinancing Advisory Services
Financely structures maritime asset refinancing for shipowners and operators seeking to replace existing vessel debt, extend maturities, improve cash flow or release capital from eligible marine assets.
A properly structured refinancing can improve liquidity while preserving long-term control of the maritime asset.
Existing Vessel Debt Should Support the Business, Not Restrict It
A financing structure that worked at acquisition may become unsuitable as charter rates, vessel values and operating conditions change. Near-term maturities or aggressive amortization can place unnecessary pressure on an otherwise viable maritime business.
We review the current debt, asset value and operating cash flow to structure a more sustainable refinancing or recapitalization.
Request a Vessel Refinancing ReviewRefinancing Objectives
Extend the Repayment Profile
Reduce near-term amortization pressure through a longer maturity or revised repayment schedule.
Monetize Available Vessel Equity
Raise additional liquidity where asset value and cash flow support increased financing.
Refinancing depends on current value and current performance. The original purchase price does not determine present borrowing capacity.
Maritime Refinancing Structures
Vessel Term Loan Refinancing
Replace an existing vessel mortgage or loan with a new senior facility based on current valuation, earnings and debt-service capacity.
Cash-Out Vessel Refinancing
Release part of the available equity for working capital, fleet expansion, maintenance or another approved corporate purpose.
Sale-Leaseback Refinancing
Sell the maritime asset to a leasing counterparty, repay existing debt and retain operational use under a long-term lease.
Fleet-Level Refinancing
Refinance multiple vessels under a consolidated facility that may simplify reporting and improve capital allocation across the fleet.
What Providers Will Review
The refinancing package should include the current loan balance, repayment schedule, vessel valuation, class status, insurance and operating history. Providers will also examine charter contracts, vessel earnings and future capital expenditure.
Where additional liquidity is requested, the model must show that the resulting debt remains supportable under realistic operating and market assumptions.
Our Advisory Process
1
Debt Review
We assess the current facility, maturity, security and outstanding balance.
2
Refinancing Model
We size the new facility against value, cash flow and repayment capacity.
3
Lender Placement
We present the refinancing to suitable maritime finance providers.
4
Closing Support
We coordinate payoff, security release and new facility documentation.
Restructure Vessel Debt Before It Becomes a Constraint
Submit the current debt schedule, vessel valuation, operating performance, charter information and requested refinancing amount.
Submit a Refinancing RequestFrequently Asked Questions
What is maritime asset refinancing?
Maritime asset refinancing replaces or restructures existing debt secured by a vessel, fleet or other eligible marine assets.
Can refinancing release additional cash?
Yes. Cash-out refinancing may be possible when current vessel value and operating cash flow support a larger facility.
Can a vessel with a near-term maturity be refinanced?
It may qualify when sufficient time remains for valuation, diligence, lender approval and documentation before the existing maturity.
Can several vessels be refinanced together?
Yes. A fleet facility may cover several vessels under one financing structure, subject to asset and cash-flow analysis.
Does Financely provide the refinancing directly?
Financely provides advisory, structuring and placement support. Third-party finance providers make final credit decisions.
This page is provided for general information and does not constitute a commitment to arrange or provide financing. Financely works on a best-efforts basis. All mandates remain subject to KYC and AML review, sanctions screening, asset diligence, provider approval and definitive documentation.