Steve, Making a profit in Yr 1 is fantastic and if you've not already you should pop down to see your bank manager to share the great news; in my experience bank managers like to hear good news and in the current climate will be particularly happy. Most people only go and see the bank manager when they need money, you are far more likely to get that money if he knows you and understands your business and how good it can be.
The other reason for going now is I suspect the profit figures look better now at the end of the season than they will at the start of next season? So with another 6 months of depreciation on the boat (or loan repayments if it is financed) all with no income
will not do the profit much good and a bank manager in March looking at 6 months of no income will have a less enthusiastic view than one now who is fully informed that the plan was always to wind down for winter.