Private Marine Financing — Miami, FL

Elite Access to
Marine Capital.

We connect serious buyers with the lenders who move at the speed of opportunity. No banks. No brokers. One dedicated advisor. Your deal, handled right.

Begin Your Application How It Works

$500M+

Capital Arranged

Across all vessel categories

500+

Vessels Financed

From center consoles to superyachts

<24hr

Initial Lender Match

From profile submission

47+

Lender Network

Nationwide, curated exclusively

Licensed Brokers Florida-licensed finance professionals

<24hr Response Lender match from first submission

Zero Borrower Fees Compensated by lenders, not clients

Bank-Grade Secure 256-bit encrypted applications

What We Are

A private financing brokerage with access to lenders your bank will never offer.

Tidera Capital exists in the space between borrower and lender. We don't hold deposits, underwrite risk, or originate loans. We do something more valuable: we know exactly which lender in our network wants your deal — and we put you in front of them with a curated package that closes.

What We Are Not

We are not a bank. We are not a lender. We do not compete with your lender.

Every lender in our network is independently vetted. We are compensated by lenders, not borrowers — meaning our service costs you nothing. We match based on fit, not commission incentives. Our reputation depends on placing you correctly the first time.

The Process

Three steps.
One right answer.

From first conversation to term sheet — most clients move in under two weeks. We manage the complexity so you focus on the vessel.

Submit Your Profile

Complete our five-minute intake form. Vessel type, loan amount, credit profile, and any unique circumstances. No hard pull, no commitment.

We Shop Your Deal

Within 24 hours, your advisor shops your profile across our full lender network. We surface the programs that match — not the ones that pay the highest referral fee.

You Choose Your Terms

We present your options clearly. Rate, term, LTV, amortization — side by side. You decide. We execute. Funding typically completes within 10–21 days of lender selection.

Full Process Breakdown →

Why Tidera

The difference is
who we know.

Our competitors process applications. We originate relationships — with lenders who want specific deal profiles. Yours included.

Curated Lender Access

We maintain active relationships with 47+ lenders who each specialize in different vessel types, credit profiles, and loan sizes. We know which programs are open, which are closing, and which will fight for your deal.

Speed Without Shortcuts

A pre-screened, advisor-prepared package reaches the right lender desk — not a loan officer's inbox. Underwriting starts faster. Approvals happen faster. We set expectations correctly every time.

No Cost to Borrowers

Our fee is paid by the lender at closing. You never write a check to us. There are no application fees, no broker fees, and no hidden costs embedded in your rate — a policy we enforce without exception.

Complex Deals Welcome

Self-employed? Multiple vessels? Refinancing a commercial charter fleet? We have lender relationships built for exactly these scenarios. We don't reject complexity — we solve for it.

Client Results

Transactions that
required precision.

"We'd been turned down by two banks for a complicated self-employment situation. Tidera placed us with a lender inside of a week. Closed in nineteen days. The rate was better than anything we'd been quoted."

M. & R. Whitfield

Miami Beach, FL · 58ft Sunseeker Predator

$1.2M Arranged

"Three charter vessels, one transaction. I wasn't confident anyone could structure that cleanly. Tidera came back in 48 hours with two competing term sheets. The speed was unlike anything I'd experienced in commercial lending."

D. Carvalho

Fort Lauderdale, FL · Commercial Charter Fleet

$3.8M Arranged

"I was relocating from the UK and needed U.S. lender access quickly. Tidera navigated the foreign national requirements without flinching. Professional, discreet, and frankly — the most capable advisor I've worked with in finance."

J. Harrington

Palm Beach, FL · 78ft Hatteras Motoryacht

$2.1M Arranged

Trusted Industry Memberships & Affiliations

NMBA Member

BBB Accredited

SSL Secured

NADA Partner

20+ Yrs Experience

About Tidera Capital

"We spent years inside this industry watching great buyers get average deals. We built Tidera to fix that."

Tidera Capital was founded by Liena Perez and Spencer Kinnett. Liena is a licensed marine broker with a career built inside the financing side of the industry. Spencer brings a marine marketing background with deep knowledge of how marine financing works. Together they bring 20+ years of combined industry experience and a shared belief: buyers deserve someone in their corner who actually knows the market.

The Founders

Liena Perez

Founder & Licensed Broker

Liena is a licensed marine financing broker with deep roots in South Florida’s marine industry. She knows the financing side of this business from the inside: how lenders evaluate deals, what makes a file get approved, and how to position a borrower for the best possible outcome.

Her lender relationships are personal and longstanding. When Liena goes to bat for a client, the right doors open.

Spencer Kinnett

Founder & Marine Marketing

Spencer's background spans marine finance, client advisory, and lender network development across the Southeast. He built his career on one principle: find the best rate, not the easiest one. That approach has earned him a reputation for getting complex deals across the finish line when other brokers give up.

He handles deal structuring, lender negotiations, and the details that determine whether a transaction closes on time or falls apart at the last mile.

20+ Years. One Standard.

We don't throw you at banks.
We find your lender for you.

Liena knows how to get a deal financed. Spencer knows how to get the right clients to Tidera. Together, they've built a brokerage where your financing is handled by someone who has spent years inside this industry — not a call center, not a loan portal, not a bank that doesn't care whether you close.

20+

Years Combined

$500M+

Arranged

47+

Lender Network

Cost to You

What Makes Us Different

The details that
determine outcomes.

Independence

We are not owned by or affiliated with any single lender. Every recommendation we make is based on fit: your credit profile, your vessel, your timeline. Not on who pays us the most to place loans.

Direct Expertise

You work with Liena and Spencer directly. Not a junior processor. Not an automated screening tool. Two people who have spent careers in this specific market, reviewing your deal personally and advocating for it with lenders they know by name.

Complex Deals

Self-employed? LLC ownership? Foreign national? Multi-vessel fleet? These are the deals most brokers turn away. We've built lender relationships specifically for these structures because that's where buyers need the most help.

Discretion

Your financial information is shared only with lenders who are a clear fit for your profile. We don't mass-submit applications or generate unnecessary credit inquiries. Privacy is a feature of how we operate.

No Cost to You

Our fee is paid by the lender at closing. No application fees, no broker fees, no rate markups. The rate the lender quotes is what you receive. We enforce this without exceptions.

Important Disclosure

Tidera Capital LLC is an independent marine financing brokerage. We connect borrowers with lenders in our network. We do not directly fund, originate, underwrite, or service loans. All financing is subject to lender approval and credit qualification. Tidera Capital is not a bank, credit union, or licensed lender. Miami, FL.

Begin Your Application

The Process

How we match
buyers with capital.

Three defined steps. One advisor, start to finish. No handoffs, no black boxes, no surprises.

Submit Your Financing Profile

Complete our intake form — five minutes, no commitment, no hard credit pull. We capture the information lenders actually need to evaluate your deal: vessel type, purchase price, estimated down payment, credit score range, and any unique circumstances (LLC ownership, foreign national status, self-employment, etc.).

Takes approximately five minutes to complete

No hard credit pull — soft inquiry only if required for initial qualification

Your information is not shared until lender fit is confirmed

A dedicated advisor is assigned immediately upon submission

We Build Your Package & Shop the Network

Your advisor builds a curated submission package — the kind of presentation that arrives at a lender's desk pre-qualified, organized, and positioned for approval. We then match your profile against our active lender network, identifying programs that fit your vessel type, loan amount, and credit profile. We don't blast your file. We place it precisely.

Advisor prepares a lender-ready summary of your deal

We match against 47+ active lender programs — not just the easy ones

Programs are selected based on fit, rate, and speed — not referral fees

Initial match returned within 24 hours of completed submission

Review Options. Select Terms. Close.

We present your lender options side-by-side: rate, term, LTV, amortization schedule, prepayment terms, and any program-specific requirements. Your advisor walks through each option with you, answers every question, and helps you evaluate the full picture — not just the rate. Once you select, we coordinate the documentation, manage the lender relationship, and drive toward closing.

Options presented in plain language — not lender boilerplate

Side-by-side comparison of all relevant loan terms

Advisor manages all lender communication and document coordination

Most transactions fund within 10–21 days of lender selection

⏱

Typical timeline: Profile submitted → Initial lender match in <24 hours → Term sheet in 3–5 business days → Documentation & underwriting 7–14 days → Funding in 10–21 days from lender selection. Complex transactions (commercial, multi-vessel, superyacht) may require additional time.

Common Questions

Questions we
hear often.

Nothing. Our compensation is paid by the lender at closing — the same model used by mortgage brokers. There are no application fees, broker fees, or rate markups payable to Tidera Capital. The rate and terms the lender quotes are what you receive. We enforce this without exceptions.

Minimum requirements vary by lender and program. Standard yacht financing programs typically require a 680+ FICO. Luxury and superyacht programs often require 720+. We have lenders who work with profiles below 680 in select circumstances. Submit your profile and let us evaluate your options. Don't self-screen out.

We work with marine financing from $75,000 to $50M+. Our primary focus is the $500K–$10M range, where our network relationships provide the most meaningful advantage over standard bank channels. For transactions above $10M, we work with select portfolio lenders and private credit facilities.

Yes, and yes. Pre-owned vessels are financed routinely — typically requiring a current NAMS or SAMS certified survey. Vessel age restrictions vary by lender: most programs cover vessels up to 20–25 years old, and several lenders in our network have programs for older, well-maintained vessels. Hull condition and survey results matter more than age alone.

Absolutely. Self-employed borrowers — including business owners, independent contractors, and those with complex income structures — are among our most common clients. We have lenders who specialize in self-employed profiles, using bank statement programs, asset depletion methodology, and CPA letter verification in lieu of standard W-2 documentation.

Yes. LLC, trust, and corporate ownership structures are supported by several lenders in our network. Requirements vary — some lenders require personal guarantees, others work with business entity financing independently. We match you with programs that align with your ownership structure.

Yes. We have lenders who work with foreign nationals purchasing vessels in U.S. waters. Requirements typically include a valid visa or residency documentation, U.S.-based banking relationship, and down payment of 20–30%. We navigate these requirements with you — they are not disqualifying.

Marine refinancing replaces your existing vessel loan with a new one — typically to secure a lower rate, adjust the term, or access equity. Yes, we actively handle refinances. If you purchased with a higher rate or your financial profile has improved since origination, refinancing is worth evaluating. We can provide an initial assessment at no cost.

Begin Your Application →

Our Services

Every vessel.
Every structure.

Our lender network covers the full spectrum of marine financing — from first-time buyers to institutional charter operators. If the deal makes sense, we find the capital.

Primary Program

Yacht & Vessel Financing

$75,000 — $50M+

Our core offering — connecting buyers of motor yachts, sailing yachts, sport fishing vessels, and center consoles with lenders who specialize in their specific vessel category and price point. New construction and pre-owned.

Fixed and variable rate programs
Terms from 10 to 20 years
LTV up to 80% on most programs
New build and pre-owned vessels
LLC and trust ownership supported

Apply for Yacht Financing →

Rate Optimization

Marine Refinancing

$75,000 — $20M+

Replace your existing marine loan with terms that reflect today's market — or your improved credit profile. We shop your refinance against the same network as your purchase, without the bank visit.

Rate reduction programs
Cash-out refinancing available
Term extension or compression
No prepayment penalty programs available
No appraisal required on select programs

Evaluate My Refinance →

Fleet & Charter

Commercial & Charter Financing

$250,000 — $25M+

Charter operations, commercial fishing, passenger vessels, and multi-vessel fleet acquisition. Commercial maritime financing is a specialty — we maintain dedicated lender relationships for exactly these structures.

Charter income can support qualification
Multi-vessel transaction structuring
Business entity borrowing (LLC, Corp, LP)
USCG documented vessel programs
SBA 7(a) eligible on qualifying deals

Discuss Commercial Financing →

Flagship Program

Superyacht & Ultra-Luxury

$5M — $50M+

Superyacht financing operates in a different world. Transactions above $5M require lenders with appetite for large-balance marine, specific underwriting for flag state and classification, and the discretion to handle high-net-worth client requirements. We have them.

Portfolio lending for non-conforming structures
International flagged vessel programs
Foreign national and non-resident borrowers
Cross-collateralization available
Full discretion throughout the process

Not Sure Where You Fit?

Start with a conversation.
We'll find the right program.

If your deal doesn't fit a standard box, that's exactly when we add the most value. Submit your profile and let us evaluate your options. There is no cost, no commitment, and no credit impact to begin.

Begin Application

(786) 838-9911

Begin Your Application

Your deal, properly placed.

No obligation. No hard credit pull. A dedicated advisor reviews every submission personally within 24 hours.

Personal Information

First Name *

Last Name *

Email Address *

Phone Number *

Financing Details

Vessel / Asset Type *

Estimated Loan Amount *

Credit Score Range *

Purchase Timeline

Additional Details

Describe your situation (vessel, unique circumstances, questions)

256-bit Encrypted

No Hard Credit Pull

Zero Fees to You

By submitting this form, you authorize Tidera Capital to contact you regarding your financing inquiry. No hard credit pull will be initiated without your explicit consent. Tidera Capital is a brokerage — we connect you with lenders, we do not lend directly.

Application Received

Your advisor will review your submission and respond within 24 hours. We will not initiate a credit inquiry without your explicit consent.

For immediate assistance, call us at (786) 838-9911 or email tideracapital@gmail.com.

Elite Access to Marine Capital.

Three steps.One right answer.

The difference iswho we know.

Transactions thatrequired precision.

Your deal deservesthe right lender.

We don't throw you at banks.We find your lender for you.

The details thatdetermine outcomes.

How we matchbuyers with capital.

Questions wehear often.

Every vessel.Every structure.

Start with a conversation.We'll find the right program.