Specialized home improvement financing for boaters and lakefront homeowners

Upgrade Your Dock. Install a New Lift. Enhance Your Waterfront Living.

Elite Direct Finance makes it easy to fund the upgrades that matter most to lake and coastal homeowners. Whether you’re building a new dock, installing a boat lift, or investing in your outdoor waterfront space, our Dock and Lift Loans give you fast, affordable financing—with no home equity, no appraisals, and no fees.

We’re not your average lender. As marine finance specialists, we understand the real-world needs of waterfront property owners and boating enthusiasts. Our loans are designed to help you get the most out of life on the water.

Dock Loan

Worry Free Loans Process

What Can a Dock & Lift Loan Cover?

Securing boat financing is not difficult, but individuals with a credit score of 600 or higher will be eligible for more advantageous rates and terms. Those with excellent credit are more likely to meet the requirements for a lender’s special introductory rates. If your credit score is not up to par, there are loans available for individuals with scores in the mid-500 range.

Most lenders will review your credit and request specific details, including:

New Dock Construction:
Build the custom dock you’ve always wanted—floating, stationary, aluminum, wood, or composite.

Boat Lift Installation:
Protect your boat and make lake life easier with a vertical, cantilever, hydraulic, or PWC lift.

Dock Repairs & Upgrades:
Replace decking, re-anchor pilings, add lighting, or make structural improvements.

Shoreline Enhancements:
Invest in seawalls, erosion control, or riprap to protect your property.

Decks, Patios & Outdoor Living:

Add a grilling area, fire pit, seating space, storage, or waterside entertaining zone.

Contractor Payments & Materials:
Pay your builders, electricians, landscapers, or suppliers—your loan covers it all.

If it makes your dock or lift better—or adds enjoyment or safety to your lakefront property—our loan can help pay for it.

A Dock Loan Has Never Been Easier

Why Choose an Elite Dock & Lift Loan?

We combine the flexibility of a personal loan with the insight of a marine-focused-lender. Here’s why Elite is the trusted choice for financing waterfront upgrades:

  • No Home Equity Required: These are unsecured loans, meaning you don’t need to put your home at risk.

  • No Appraisals or Inspections: Skip the hassle—no delays, no red tape.

  • Loan Amounts up to $100,000: Finance anything from a small dock repair to a full property transformation.

  • Fixed Interest Rates: Enjoy predictable monthly payments and a low, locked-in rate.

  • No Fees. No Prepayment Penalties: Keep more money in your pocket—no surprises, no fine print.

  • Nationwide Lending: We serve homeowners in all 50 states—from lakeside cabins to coastal homes.

  • Fast Approvals: Apply online and get your funds quickly.

  • Specialized Knowledge: We speak your language. From dock framing to lift specs, our team understands your project and supports your goals.

How It Works

01.

Apply Online

02.

Select Terms

03.

Get Funds

04.

Start Building

Apply Online in Minutes

Get pre-qualified with no impact to your credit score. We’ll show you your loan options instantly.

Choose Your Terms

Select the payment plan that works best for you. No fees, no surprises.

Get Funded—Fast

Once approved, funds can be deposited as soon as the same day.

Start Building

Hire your contractor, buy your materials, and bring your project to life—your loan covers all costs related to your dock or lift.

Don’t Just take our word for it

Real Examples from Real Customers

Discover how real customers used Elite’s Dock & Lift Loans to bring their lakefront visions to life. From brand-new docks to upgraded boat lifts, our clients count on us for fast funding, reliable service, and expert support. Read through our 5-star reviews to see why homeowners across the country trust Elite Direct Finance. These aren’t just testimonials—they’re stories of transformed shorelines, improved access, and a better life on the water.

Join the growing community of happy clients who’ve built smarter, better, and faster with Elite.