Steamboat services on the Thames began operating in about 1815, so this reference is likely referring to a pleasure yacht.
People could also hire a watermen to take them on a wherry up the Thames to a variety of destinations.

Simond, L. (1817). Journal of a Tour and Residence in Great Britain, During the Years 1810 and 1811. United Kingdom: J. Ballantyne and Company.
Steamboats would make river tours even more accessible to folks, as well as commerce.
Learn more:
Regency Travel: Wherries on the Thames
Who were the River Thames watermen? | London Museum
Regency Pastimes: Sailing and Rowing Competitions
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What a fantastic print, and one I haven’t seen before. I do enjoy a Thames image. One of my ancestors was a tug boat captain and I have strong evidence to suggest that his was one of the boats which pulled the infamous Temeraire up the Thames.
What an amazing find in your family history, and what a fascinating character. I can imagine being a tugboat Cap on the Thames was exciting, stressful, and a front row seat to the action. Thanks for sharing! The image was sourced from Wikimedia Commons if you are looking to grab a jpg for yourself.