Aircraft Financing Built for Operators.
Loans, leases, sale-leasebacks and refinances for flight schools, charter operators and aviation businesses, placed with the lenders and lessors who already fund aircraft like yours.
Placed with banks, specialist lessors and private capital, so the structure fits your aircraft, not one lender's menu.
Built for training, charter and commercial operators, where utilization matters as much as credit.
Every complete deal file gets the likely structures and what lenders will ask for next.
Starting a deal file and getting our first read never touches your credit.
Lenders See Pilots. We Show Them Your Operation.
Most aircraft lenders underwrite the person in the left seat. We present the whole operation: hours flown, students enrolled, charter revenue and contracts in hand. Then we take it to the capital that already understands it.
Built for How You Fly.
Flight Schools
Flight schools finance training aircraft through loans, operating leases, sale-leasebacks and fleet facilities.
Charter Operators
Part 135 charter operators finance aircraft with acquisition loans, finance leases and operating leases.
Corporate Aviation
Companies and Part 91 flight departments finance business aircraft with acquisition loans, leases and refinancing.
Cargo & Specialty
Cargo and specialty operators often finance aircraft against contracted revenue.
From Deal File to Delivery.
A clear path with a reply at every stage, so you always know what happens next.
Build Your Deal File
Aircraft, operator, use, structure and timeline in about five minutes.
Matched to the Right Capital
Your file only goes to lenders and lessors whose criteria fit it.
Compare and Close
Offers side by side, then underwriting, escrow and FAA registration to delivery.
Six Ways to Put an Aircraft to Work.
Every structure has a full guide with who it fits and what lenders check.
Acquisition Loans
An aircraft acquisition loan is a secured loan used to buy an aircraft, with the aircraft itself as collateral.
Operating Leases
An aircraft operating lease lets you fly an aircraft for a fixed monthly payment over a set term and then return it.
Finance Leases
An aircraft finance lease, sometimes called a capital lease, is a lease designed to end in ownership.
Sale-Leasebacks
In an aircraft sale-leaseback, you sell an aircraft you own to a lessor and immediately lease it back.
Refinancing and Cash-Out
Aircraft refinancing replaces an existing aircraft loan with a new one, usually to lower the rate or payment, change the term, or take cash out against equity.
Fleet Financing Facilities
A fleet financing facility is a credit line approved once and drawn on as you add aircraft over a set period.
Run the Numbers Before the First Call.
Move any slider and the result updates instantly. Open the full aircraft loan calculator for the formula, a worked example and typical terms, or see all seven tools.
Estimates only, before tax, insurance and maintenance. Real terms depend on the aircraft, operator and lender.
Start a deal fileEstimates only, before tax, insurance and maintenance. Real terms depend on the aircraft, operator and lender.
Start a deal fileEstimates only, before tax, insurance and maintenance. Real terms depend on the aircraft, operator and lender.
Start a deal fileLender by Lender, or One Deal File.
Going lender by lender
- A new application for every lender
- Each lender only offers its own programs
- Often underwritten like a personal aircraft
- Hard to compare terms side by side
- Weeks before you know which structure fits
One JetFinex deal file
- One file, no credit pull to get started
- Banks, lessors and private capital in one place
- Presented on utilization and revenue
- Offers compared in one view
- Likely structures within one business day
Financing by Aircraft Type.
Finance Lease, Operating Lease or Buy?
Aircraft finance leases
Lease payments now, ownership at the end. How the payment is set and how to get quotes.
Aircraft operating leases
Fly it, hand it back. The lessor carries the resale risk; read the return conditions.
Dry lease vs wet lease
Who supplies the crew decides operational control and which FAA rules apply.
Lease vs buy
When leasing beats buying, with a worked example for a training aircraft.
All financing structures
Loans, leases, sale-leasebacks, refinancing and fleet facilities, compared.
The aircraft leasing hub
Every lease type side by side, plus how long you can finance a private jet.
The Most-Used Guides.
The Aircraft Finance Library.
Subleasing an Aircraft: What Lessors Allow and What You Must Do First
Can you sublease a leased aircraft? How lessor consent works, what conditions lessors attach, and the FAA truth-in-leasing and operational control rules that apply.
Fair Market Value vs $1 Buyout Aircraft Leases: Which Fits Your Operation?
How a fair market value purchase option differs from a $1 buyout in an aircraft lease, and what each means for payments, accounting, tax and ownership.
Prepayment Penalties on Aircraft Loans: How They Work and How to Limit Them
What an aircraft loan prepayment penalty costs, how long it lasts, how it differs from a make-whole fee, and how to negotiate it, with a hypothetical example.
Fixed vs Variable Rate Aircraft Loans: How Operators Should Choose
Fixed or variable rate on an aircraft loan? Compare payment risk, SOFR-based floating rates, swaps, breakage and prepayment costs, with a hypothetical example.
Aircraft Loan-to-Value Explained, With Examples
What loan-to-value means on an aircraft loan, how lenders measure it against price or appraised value, typical ranges, and how to work the math before you apply.
Maintenance Reserves in Aircraft Leases, Explained
What maintenance reserves in an aircraft lease are, how rates are set, how reimbursement works, and what happens to unused reserves at lease end.
Questions Operators Ask First
Is it better to lease or buy an aircraft for a business?
Lease when flexibility and cash on hand matter more than ownership, or when demand is still being proven. Finance when the aircraft stays core to the operation and utilization is predictable. Resale value and tax position usually decide close cases. Read the full guide.
Can a new flight school get aircraft financing?
Yes, though newer schools usually see larger down payments or lease structures. Lenders lean on owner experience, enrollment commitments and guarantees when operating history is short.
Does JetFinex lend the money itself?
No. JetFinex places your deal with banks, specialist lessors and private capital partners, then coordinates through closing. That independence lets the structure fit the aircraft.
Will starting a deal file affect my credit?
No. The deal file and our first reply need no credit pull. Lenders run their own checks only after you choose to move forward with them.
What aircraft can you finance?
Piston singles and twins, turboprops, light and midsize jets, helicopters, and training devices such as simulators, for business use. See aircraft guides.
How long does aircraft financing take?
It depends on the aircraft, the structure and the lender. You get the likely structures within one business day, and the full timeline once a lender issues terms.
Start With the Aircraft. We Bring the Structure.
Five short steps. No credit pull to get started. A reply within one business day.