That '88 looks wonderful..... Most Lotus's on ebay go around two or three times before they sell. Biggest problems are not the car, but the wife, or the bank.
You can have great credit, and most banks will laugh at you wanting to buy a pre 2002 anything, because most banks have the intelligence of a pet rock, and most people are not aware of collector car financing.
I had my financing in place and approved before I ever bid on hussie. As a matter of fact, I had three sources approved. But you still have to be careful. Ebay was pushing roadloans at the time, used their link on the auction, and applied, and got approved. Called them the next day to verify, and even they would not touch a 1995, so I went with Woodside Credit, they are one of the best (rate and term) on collector car financing.