Mr Peewee.. First...Go to your closest bank.. Now this is where it gets tricky..You are not going to get a loan. So you will have to try an alternative plan. It involves a note, and a fake nose glasses thing. Now you may have to repeat this often. So be nice to the tellers. Only shoot the guards. Its in there job description.. Now.. you might have enough cash to pull a complete redo like you want all at once. Don't laugh, when you go to sell it, you can tell the story.. It will help.. Call the boat. Stick Up? something like that. Now, if you want a more fun process that does not get you 10-15 with good behavior. Just start structurally. make sure the boat is sound. Do not waste a cent doing cosmetics until you know that it will float, sound Chines? Bottom. Look into the transom.. Look hard.. Uses a ice pick.. Down on the bottom of it.. Then check the next big expense. Motors. If they are cool.. Start your shine-a-thon.. This is a great place for advice.. A lot better advice than go rob a bank I might add. A bunch of guys have done the same as you are about to do.. And its fun as heck..
1960 24' Chris Craft Sportsman
1970 16'7" Boston Whaler Sakonnet
1964 11' Crab Skiff
2012 Hole in my head