The short answer
Companies and Part 91 flight departments finance business aircraft with acquisition loans, leases and refinancing. Structure matters as much as rate: the ownership entity, business-use percentage, tax position and how the aircraft is operated all shape the right deal.
For companies, the aircraft is a tool, and financing should protect the balance sheet that pays for it. Many owners finance even when they could pay cash, keeping liquidity for the core business. Ownership entity and operating rules need care: how the aircraft is owned, who operates it and how costs are shared can raise regulatory and tax questions, so involve aviation counsel and a tax advisor early.
What lenders look at
- Company financial statements and guarantor
- Ownership entity and FAA registration
- Share of business versus personal use
- Aircraft age, total time and maintenance programs
- Who operates and manages the aircraft
Structures that usually fit
Common aircraft
Cessna Citation CJ3Light jetEmbraer Phenom 300Light jetBeechcraft King Air 350Twin turbopropPilatus PC-12Single-engine turboprop
Aircraft Loan Calculator
Monthly payment, total interest and balloon, with a balance chart.
