Resources

Lenders who understand the asset.

Working with a lender who understands the marine asset class is not a small thing. The following institutions have demonstrated competence in yacht financing — whether that means a straightforward loan on a production vessel or a more structured arrangement for a significant acquisition. We recommend engaging your lender early in the process, before a survey is commissioned, so your financing position is clear before the contingency clock starts.

Finance My Yacht

Frank Ramos

Frank Ramos has been arranging yacht financing since 1984 — over forty years in the market and more than a billion dollars in closed transactions. Finance My Yacht structures loans across the full range of ownership scenarios: fixed, adjustable, and interest-only programs for personal ownership, as well as corporate structures and foreign flag registry for buyers whose acquisition requires a more considered approach. His builder relationships span center consoles through superyachts, and he handles USCG documentation and foreign delivery coordination directly. For a transaction that needs more than a standard bank loan, Ramos has worked through the structure before.

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OceanPoint Funding

Shana White

Ocean Point Funding is a marine-dedicated lender backed by the stability of BankNewport, with loan officers who average twenty years in marine finance — people who understand the asset and the transaction, not just the credit file. Shana White has built her practice around guiding buyers from application through closing and title transfer, with the kind of hands-on coordination that keeps a deal moving when the survey contingency is running. For buyers along the Eastern Seaboard, her direct line is (757) 266-4600.

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Azure Funding

Julio Santana

Julio Santana has spent more than thirty years in lending, with over two decades focused exclusively on recreational marine finance. A Florida native with a lifelong connection to boating, he brings the kind of market depth that comes from watching this industry through multiple cycles — and knowing which programs actually fit which buyers. Azure Funding specializes in marine financing, including conventional and non-conventional loan structures for buyers whose transaction falls outside the standard bank criteria. Julio is our direct contact for clients who need a lender who has seen the full range of what a boat loan can look like.

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Newcoast

Kim Madigan

Kim Madigan brings thirty years of marine lending experience to a practice built around the transactions that require more than a standard loan application — multi-hull financing, custom sport-fish yachts, sophisticated acquisitions, and international deliveries. She joined Newcoast in 2016 with an established book of high-net-worth clients and holds active membership in the National Marine Lenders Organization. A lifelong boater and competitive offshore angler based in Annapolis, she works on the Eastern Seaboard and understands this market from both sides of the transaction.

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BoatLoan.com

David Ashley

BoatLoan.com operates as a dedicated marine lending marketplace, connecting buyers with a network of eighteen lenders to find competitive financing for new and pre-owned vessels across all segments. Rather than working through a single bank's programs and rates, David Ashley uses that network to place buyers with the lender whose terms fit the transaction — whether that is a straightforward loan on a production vessel or financing on a larger or more specialized acquisition. He is our direct contact and handles the process from application through closing.

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Get in touch

Not sure which one fits your deal?

Every firm on this page was identified through transactions and professional relationships. Tell us what the transaction looks like and a broker will help you pick the right one.

Call the office772-280-4600 Email the teaminfo@scyachtandship.com Headquarters408 S Colorado Ave
Stuart, FL 34994

Trading hours9am – 9pm