The short answer
A fleet financing facility is a credit line approved once and drawn on as you add aircraft over a set period. It lets a growing operator plan acquisitions without restarting underwriting for every aircraft.
ApprovedOnce, up front
DrawnAircraft by aircraft
Best forMulti-year fleet plans
Can includeSimulators and FTDs
Who is it a good fit for?
- You plan to add several aircraft over the next one to three years
- You have a fleet plan tied to demand
- Speed matters when good aircraft come to market
When might another structure be better?
- You need a single aircraft
- Demand projections are not yet supported by history
How a facility works
The lender approves a total amount, the aircraft types it will finance and the terms. As you find each aircraft, you draw on the facility, and each draw becomes its own loan or lease schedule under the master agreement. Facilities often include an availability period, after which undrawn amounts expire.
Planning the fleet first
Lenders approve facilities against a credible fleet plan. Start with the aircraft you actually need: the flight school fleet planner turns enrollment and hours into an aircraft count.
Flight School Fleet Planner
How many aircraft your enrollment really needs.
