The only financing
I've seen has been on new boats in the TUI (Moorings/Sunsail) program and it's because they arrange it for their buyers. Dream Yacht may also have a helpful program, again only for new buyers. We were in your same "boat" in 2012. We bought a 2009 Leopard 46
. No financing companies, not even our longtime bank BofA would touch it since it was in charter service
outside the US. That was in 2012, which was still close to the "panic of 2008". We had to use home equity financing, which is easy to do if you have the equity. If you don't, I'm afraid you're climbing a steep hill. Of course, if you buy the Leopard
44 and take it out of charter and bring it back to the US, no problem.