With the Fed signaling potential rate cuts later this year, questions about how to finance a boat are drawing attention from both retail borrowers and institutional investors. Lower benchmark rates historically boost marine asset sales by 15–20% within two quarters. Equity market resilience, especially in travel and leisure stocks, further supports favorable financing conditions. The recent closure of the Newport Hooters and the removal of its dock have left boaters without a temporary docking location in the downtown area. The Company currently has no corporate term debt, only interim production financing (including through two borrowing base facilities) in the ordinary course of operations. How to finance a boat is linked to trends in asset-backed securities demand. With ABS spreads tightening and investor appetite for consumer loan products strong, banks securitize marine loans more efficiently, freeing capital for new approvals. Positive earnings in marine transport firms add sector stability signals.