Floatplan

Tim Boyle & Matt Maynard

Floatplan is hosted by Matt Maynard and Tim Boyle—two people who spend a lot of time around boats and a lot of time talking through what actually comes with owning them. Drawing on experience in yacht brokerage, finance-related work, and years of personal ownership, the show explores the excitement, the surprises, the trade-offs, and the second-guessing that tend to show up once the boat is real. The conversations are candid, practical, and grounded in lived experience. Topics include buying and upgrading, refits, custom builds, long-term ownership considerations, and the moments where enjoyment, timing, and personal priorities collide. This isn’t theory—it’s the kind of perspective that comes up dockside, in the yard, and on the trip home after a big summer cruise. Floatplan is for people who love boats and are interested in hearing how others think about ownership over time. Whether you’re stepping into a larger boat for the first time or well into the lifecycle already, the show focuses on sharing perspective, asking better questions, and learning from people who’ve been there. Floatplan offers a thoughtful, experience-based look at life with boats—for listeners who care about the realities of ownership and enjoying the ride along the way.

  1. Sep 18

    Older Yacht Financing: Beyond the Typical Age Cutoff

    What happens when you find the right boat—but it’s too old for most lenders to finance? For buyers shopping the older yacht market, financing can become a roadblock surprisingly quickly. Many lenders have fairly firm age limits, even when the boat in question has been exceptionally well cared for, extensively updated, or undergone a major refit. In this episode of Floatplan, Matt and Tim chat with Aisling Soler of Shoreham Bank, a lender offering something relatively unusual in the industry: a willingness to consider financing boats beyond the typical lender age cutoff. Aisling explains why the year on the hull doesn’t necessarily tell the whole story. Instead, Shoreham can look at the individual vessel—its condition, survey, market value, maintenance and improvements—alongside the financial strength of the buyer. In fact, their program has no specific vessel age restriction, opening up financing possibilities for well-maintained, restored and refit boats that may otherwise be difficult to finance. The conversation covers what makes an older boat financeable, what lenders want to see in a survey, how significant refits and upgrades factor into the process, and how survey findings or needed repairs can affect a deal. They also get into the practical numbers: credit requirements, debt-to-income ratios, down payments, loan terms, rates, insurance requirements and how quickly a loan can close. If you’ve ever assumed that buying an older yacht means paying cash, this episode is worth a listen. There may be more financing options than you think. Thank you to our guest, Aisling Soler LinkedIn asoler@shoreham.bank 401-773-9725

    Older Yacht Financing: Beyond the Typical Age Cutoff

Ratings & Reviews

5
out of 5
4 Ratings

About

Floatplan is hosted by Matt Maynard and Tim Boyle—two people who spend a lot of time around boats and a lot of time talking through what actually comes with owning them. Drawing on experience in yacht brokerage, finance-related work, and years of personal ownership, the show explores the excitement, the surprises, the trade-offs, and the second-guessing that tend to show up once the boat is real. The conversations are candid, practical, and grounded in lived experience. Topics include buying and upgrading, refits, custom builds, long-term ownership considerations, and the moments where enjoyment, timing, and personal priorities collide. This isn’t theory—it’s the kind of perspective that comes up dockside, in the yard, and on the trip home after a big summer cruise. Floatplan is for people who love boats and are interested in hearing how others think about ownership over time. Whether you’re stepping into a larger boat for the first time or well into the lifecycle already, the show focuses on sharing perspective, asking better questions, and learning from people who’ve been there. Floatplan offers a thoughtful, experience-based look at life with boats—for listeners who care about the realities of ownership and enjoying the ride along the way.