Sterling Acceptance Corporation, Redefining the way you finance

Founded in 1987 by lifelong boaters with an extensive background in banking, Sterling Acceptance has been helping customers finance their adventures on the water and the road for nearly four decades. 

We’re an experienced team that know boats and RVs inside and out. Our crew includes seasoned underwriters, Coast Guard documentation specialists, and licensed yacht insurance agents—all here to make the process simple and stress-free. With more than 50 years of combined experience in marine lending, our senior underwriters know how to navigate even the most complex loan applications with ease. Around here, “We’re not just bankers, we’re boaters too…and we care” isn’t just a slogan—it’s who we are.

We offer a wide range of loan programs with great rates and terms, working with a nationwide network of lenders that specialize in marine and RV financing. Our Annapolis-based team can also help with Coast Guard documentation, state titling, and yacht insurance through top-rated carriers—so everything you need is in one place.

The owners of Sterling Acceptance have been boaters since childhood, most recently owning a 50’ Post, cruising the Chesapeake Bay and the Atlantic with their golden retrievers. They’ve also logged many of miles sailing in the Bahamas and Caribbean—so when we say we understand the boating lifestyle, we mean it.