Expert
Years brokering boat, yacht, and RV loans.
Experts in boat, yacht & RV financing.
Why Central Point
Built on what matters to buyers and dealers.
Trusted
Transparent process. Real numbers. No surprises at closing.
Readily available
Reach us when you need us — no phone trees, no delays.
Seamless
From first call to funding, we keep the process smooth and on track.
What we finance
Financing across the full recreational lineup.
Boats & yachts
New, used, and vessels up to 25 years old. LLC, stated-income, and sub-prime programs. We match buyers to the lender who says yes.
See boat financingRVs & campers
Class A, Class B, Class C, travel trailers, fifth wheels, toy haulers, truck campers. One call covers the whole RV spectrum.
See RV financingDealer partnerships
Turnkey F&I services designed for boat and RV dealerships that need a dependable partner to handle documentation with speed, precision, and care.
For dealersHow it works
Four steps from first call to funded.
Connect
Reach out directly or through your dealer. A real conversation about what you’re buying and what you need.
Submit
Share your information securely through our partner lender portals. No paperwork chaos.
Match
We shop the right lenders for your situation based on credit profile, vessel, term, and down payment.
Funded
Approval, signing, and funding handled end to end. You stay informed, not chased.
Meet the founder
Patrick Mulry
I bring years of experience in boat, yacht, and RV lending, building a strong reputation with both customers and dealerships before founding Central Point Funding.
Today, I partner closely with dealers to finance their buyers—streamlining the process so you can focus on the sale while I handle the loan. Experienced across prime and subprime loans.
Dealers: brokers who actually pick up the phone.
Fast approvals, sub-prime coverage, and a single point of contact for every deal you hand over. Ask about dealer partnerships.
Common questions
Quick answers to the things buyers ask most.
How quickly can I get approved and funded?
Most applications get a decision the same day they come in. From approval to wired funds usually runs about a week, depending on how fast the lender processes documents and, for older vessels, whether a survey is needed.
My credit history is rough. Any options?
Yes. We work with sub-prime partner lenders who handle a wide range of credit profiles. One quick conversation about your situation and we can tell you whether a loan is realistic and roughly what terms to expect.
What’s the minimum down payment?
Most lenders work from a 10% minimum, though the exact number depends on the program, your credit, the vessel’s age, and the loan size. We’ll tell you straight where each lender is likely to land before you commit to anything.
Are older boats and used RVs still eligible?
We finance used vessels up to 25 years old. Anything older or particularly specialized gets reviewed case by case, and we’ll give you a straight answer fast rather than leaving you guessing.
Can I finance through an LLC or trust?
Absolutely. Several of our lender partners specialize in special-purpose-entity ownership — whether that’s an LLC, a family trust, or another structured entity. Send over the ownership setup and we’ll tell you which programs fit.
I don’t have traditional W-2 income. Can I still qualify?
Stated-income programs are available for qualified buyers up to $250,000. Self-employed borrowers, investors, and business owners are welcome to apply. Terms and eligibility depend on the lender.
Can I roll taxes, title, and registration into the loan?
In most cases, yes. Taxes, title, and registration fees can be financed as part of the loan as long as the total stays within the lender’s loan-to-value guidelines. You can also pay those out of pocket before closing if you’d rather keep the loan amount down.
Do you broker RV loans as well as marine?
Yes. Class A, Class B, Class C, travel trailers, fifth wheels, toy haulers, and truck campers. The full RV spectrum, handled the same way as marine loans.