Looking to re-power by 35' Outlaw, but I don't have 100k in the bank ready for playtime. I was wondering if anybody new of a process to refinance their boat loan to get extra cash for upgrades to motors. I do have some equity built up on my original loan, so I was thinking that I could re-finance my original loan for boat value and use the extra cash for upgrades.

Would anybody have suggestions on a bank or financial institute that would help in this area?

Nobody is going to do a loan like that on a boat.

Dont take this the wrong way, not trying to start anything with you. But if you have to get a loan to build engines and drives for your boat what are you going to do when/if said components blow up and need repaired because engine builder is blaming the cam guy, cam guy is blaming the heads, or drive locks up and you get left holding the bag for repairs? Lending institutions will not lend on equity in a boat, too much risk just like the scenario above. Home equity lines are starting to creep back as an option but I would highly advise against that for upgrades to a depreciating asset.

https://www.mercurymarine.com/en/us/repower-financing

bad idea, sounds like you may need a cheaper hobby.