Financing the purchase of a superyacht allows buyers to enjoy returns on their other financial investments without tying up working capital that could be used for other opportunities. Financing also allows buyers to benefit from low interest rates and accurately budget for payments. Private banks are well positioned to provide yacht financing due to increasingly strict banking regulations. Most buyers leverage financing to maximize returns, as borrowing rates are often lower than returns on investments. Financing can help hedge against the yacht's depreciation by mitigating its reduction in value over time.