Business Details
39 Years
experience
Trusted Boat and RV Loan Solutions in Annapolis
Sterling Acceptance was founded in 1987 by seasoned boaters and banking experts who recognized the unique financing needs of marine and RV enthusiasts. Our team combines over 40 years of industry experience with a deep passion for boating, ensuring clients receive personalized, efficient service. We specialize in boat and RV loans, US Coast Guard Documentation, state titling, and yacht insurance, offering nationwide support through a network of offices. Our underwriters, with decades of expertise, deliver rapid turnaround times and competitive rates, solidifying our reputation as a trusted intermediary between clients and financial institutions.We pride ourselves on being a one-stop shop, streamlining the financing process for both financed and cash purchases. Our commitment to excellence is reflected in our membership with the American Vessel Documentation Association and our track record of satisfied customers. We prioritize transparency, responsiveness, and client education, ensuring every transaction is seamless. With a team that includes industry veterans like Karen and Dave Trostle, we blend professional rigor with a personal touch. Our mission is to make boat and RV ownership accessible, combining technical expertise with a genuine understanding of our clients' lifestyles.
Services
Boat Loans
RV Loans
US Coast Guard Documentation
State Titling Services
Yacht Insurance
Details
- Year established: 1987
Highlights and features
- We offer over 40 years of specialized marine and RV lending expertise.
- Our nationwide team ensures personalized service in every region.
- We guarantee rapid loan approval turnaround times.
- We provide in-house documentation and titling services.
- Our team includes certified yacht insurance specialists.
Associations and certifications
- American Vessel Documentation Association (AVDA)
What people say
Best rates and terms
Seamless process
Organized and professional
Superior customer service
Personal attention
Services
Boat Loans
Sterling Acceptance provides tailored boat loans with competitive rates starting at 5.87%. Our experts handle all loan types, from new purchases to refinancing, ensuring fast approvals and flexible terms. With decades of underwriting experience, we streamline the process for both financed and cash buyers.
RV Loans
Our RV loan programs offer rates as low as 6.49% for Class A coaches, 5th wheels, and travel trailers. We act as intermediaries to secure the best rates from trusted financial institutions, with a simplified application process and nationwide settlement options.
US Coast Guard Documentation
We handle US Coast Guard Documentation and state titling services in-house, ensuring proper ownership transfers and lien research. Our team guarantees quick turnaround times and competitive fees, with all processing completed at our Annapolis headquarters.
Yacht Insurance
Sterling Acceptance offers yacht insurance through Global Marine Insurance, providing A+ rated coverage options. Our licensed specialists secure competitive rates and comprehensive policies tailored to individual boating needs and vessel types.
Loan Underwriting
Our underwriters, with 40-45 years of experience, specialize in marine and RV lending. We ensure accurate risk assessment and rapid loan approvals, leveraging established relationships with financial institutions to benefit our clients.
People
Karen Trostle
Owner / President
Karen founded Sterling Acceptance in 1987 after a 14-year career at Maryland National. With over 40 years in marine banking and leadership roles in the National Marine Bankers Association, she combines industry expertise with a lifelong passion for boating.
Dave Trostle
Owner / Vice President
Dave brings decades of boating and marine sales experience, including a decade as a yacht dealership sales manager. He also holds a yacht insurance license and has been instrumental in expanding Sterling's service offerings since joining in the 1990s.
Matt Brown
Corporate Sales Manager
Matt combines customer service expertise with a Maryland boating background. As Corporate Sales Manager, he leverages his industry knowledge to connect clients with tailored financing solutions, ensuring a seamless purchasing experience.
Mary Ann Savage
Northeast Regional Sales Manager
Mary Ann has over 30 years of marine finance experience, specializing in Northeast regional markets. Her comprehensive understanding of the loan process from boat shows to closings makes her a trusted advisor for clients and brokers.
Susan Cunningham
Florida Sales Manager
Susan has represented Sterling in Florida since 1993, building relationships across the marine industry. Her deep knowledge of boat financing and commitment to client satisfaction have made her a key figure in the company's growth.
Questions
What loan programs do you offer?
We provide boat and RV loans with rates starting at 5.87% and 6.49%, respectively. Our programs include purchase financing, refinancing, and nationwide settlement options.
How quickly can I get loan approval?
Our streamlined process delivers approvals within 24-48 hours after submitting a completed application through our secure online portal.
Do you offer in-house documentation services?
Yes, we handle US Coast Guard Documentation, state titling, and lien research in-house at our Annapolis headquarters with competitive fees.
Can you help with yacht insurance?
Our licensed specialists offer yacht insurance through Global Marine Insurance, providing A+ rated coverage options tailored to your vessel and needs.
Are your services available nationwide?
Yes, our team operates nationwide with local expertise in regions like Florida, the Northeast, and the Chesapeake Bay area.
What sets you apart from competitors?
Our team combines decades of marine banking experience with personal boating expertise, offering faster turnaround times and personalized service unmatched in the industry.
