Every structure.
Side by side.
Waaza's scenario engine lets you compare financing structures before committing to any of them. Loan vs leasing. Different LTV levels. Personal vs SPV. Full five-year cost projection on each.
Capabilities
Every comparison a buyer needs before they decide
Loan vs leasing comparison
Place a standard marine loan and a Malta leasing structure side by side — same vessel, same buyer, full cost difference surfaced.
LTV sensitivity analysis
See how changing the deposit level affects monthly payments, total interest cost, and five-year total outlay across any scenario.
Ownership structure modelling
Model the financing implications of personal ownership, Maltese SPV, and other structures — including how each affects lender appetite and LTV.
Five-year cost projection
Every scenario includes a full five-year cost model — interest, principal, VAT, leasing fees, and admin costs — so the true comparison is visible.
Why it matters
The right structure isn't obvious until you model it
On a €2 million vessel over 16 metres, the Malta leasing structure saves approximately €250,000 in effective VAT versus a standard purchase. That number is not obvious without running the model. Most buyers — and many brokers — don't know it until it's explained with the figures in front of them.
Scenario modelling makes the invisible visible. The right decision is the one made with full information.
Open the simulator →
Model your scenarios now
Enter vessel value, buyer profile, and intended structure. Get a side-by-side cost comparison in under two minutes.