Thank you. I don’t know the answer specifically to your question but I would assume the buyer would be putting some money in and financing the remainder. I do know that Twin Lakes can help with that for qualified buyers.
The dealership can hook you up, they will typically put you in contact with a marine finance broker. I just made a deal on a boat last week. I had a 2 yr old 22' bay boat, found a new 24' bay boat I wanted. I sent them photos and engine serial number with list of accessories, they gave me a trade-in number within an hour, sight unseen. Did a 2 minute app on the brokers website, the broker was in contact with me within a couple hours with finance options from 3 banks. The same broker told me to contact them directly when I want to refinance with better rates in the future, they will shop out the financing for me. $85k isn't crazy expensive in the boat world these days. I live at the coast, not uncommon to see 24' & 26' boats priced $140k - $160k.