with outstanding credit, and an outstanding boat, we struggled, and failed to get a loan for our Ohlson. Close to a third of million dollar restoration
(previous owner stopped counting $$ when he hit that milestone and threw all the receipts away), the best I could secure was $30k. Ended up doing a home equity loan for half, and the previous owner gave us a personal loan for the balance.
totally stinks that the ONLY ONLY ONLY factor they care about is the year. Could be the biggest POS afloat, as long as it is a few years old they will give you a good loan. You have an outstanding, well built, well restored, piece, they don't care.
You will have to get 'creative' if you want an older boat.