Aviation Financing
Aircraft Financing & Leasing
Financing and leasing for private business aircraft flown under Part 91 and Part 135 — from $500,000 to $70,000,000 and beyond. Loans, leases, sale-leasebacks and refinancing, structured around how you actually fly.
- ✓$500K–$70M+
- ✓Jets, turboprops & helicopters
- ✓24–180 month terms
- ✓Up to 20-yr amortization
- ✓Strong & challenged credit
What We Finance
Business Jets
Light, midsize and heavy corporate jets for executive travel and flight departments.
Turboprops
Business turboprops for regional travel and shorter runways.
Helicopters
Corporate, executive-transport and private rotary aircraft.
Refinancing
Restructure existing aircraft debt, pull cash out, or set up a sale-leaseback.
Program Guidelines
| Guideline | Details |
|---|---|
| Transaction size | $500,000 – $70,000,000+ |
| Aircraft | Business jets, turboprops, helicopters |
| Operations | Part 91 private and Part 135 charter |
| Term | 24 – 180 months |
| Amortization | Up to 20 years or more |
| Structures | Loans, operating leases, capital leases, sale-leaseback, refinance |
| Covenants | None; flexible collateral requirements |
| Credit | Risk-based pricing for strong and challenged credit |
Loan, Lease or Sale-Leaseback?
| Structure | Best for | Ownership |
|---|---|---|
| Aircraft loan | Buyers who want equity and full control | You own it |
| Operating lease | Lowest payment, flexibility to upgrade | Lessor owns; you return or renew |
| Capital lease | Ownership path with lease structure | Transfers at end of term |
| Sale-leaseback | Unlocking cash from an aircraft you own | Sold, then leased back |
What You'll Need
- Completed and signed credit application
- Aircraft details: year, make, model, serial number, total time and engine programs
- Purchase agreement or letter of intent (or current loan payoff for refinances)
- Ownership structure and intended use (Part 91 or Part 135)
- Recent business and personal financial statements
Need more flexibility? We can add real estate as collateral, and we also finance yachts and business equipment. We review aviation applications nationwide, including California, Florida and Texas. Based at John Wayne (SNA) or Long Beach (LGB)? See our Orange County aircraft and yacht financing guide.
Frequently asked questions
- What types of aircraft can be financed?
- Business jets, turboprops and rotary aircraft (helicopters) used in Part 91 private or Part 135 charter operations. We also refinance existing aircraft debt.
- How much can I finance?
- Transaction sizes typically start at $500,000, with private aircraft funding available up to $70,000,000 and larger structures considered case by case.
- What are the terms?
- Terms run 24 to 180 months depending on the aircraft, with amortizations up to 20 years or more. Final rate and structure depend on the aircraft, its age, the loan size and your credit profile, and are provided in a written offer.
- Should I lease or buy an aircraft?
- Both are available. Loans build ownership; operating leases keep payments lower and shift residual risk; capital leases sit in between. Sale-leasebacks let you unlock cash from an aircraft you already own while continuing to fly it.
- Do you work with challenged credit?
- Yes. Pricing is risk-based, so both strong and challenged-credit scenarios are considered, along with complex ownership structures such as LLCs and trusts.
- Can a Part 135 charter operator or flight school apply?
- Yes. Charter operators, flight schools and start-up aviation businesses can apply, and we review the operating plan alongside the aircraft and financials.
Finance Your Aircraft.
Tell us the aircraft — year, make, model — and whether you're buying, leasing or refinancing. Credit decisions typically in 24–72 hours after a complete application.
- ✓ $500K–$70M+ transaction sizes
- ✓ Jets, turboprops and helicopters
- ✓ 24–180 month terms
- ✓ Loans, leases and sale-leasebacks