Assets America® provides aircraft financing, starting at $10 million, for personal use, business and corporate use and commercial aircraft. Securing aviation financing and airplane loans is our commitment. Assets America® personally crafts and closes deals on aviation new builds, acquisitions, and refinancing for high-value aircraft including jets, turboprops, helicopters and aircraft fleets. When you are considering financing an airplane, look no further than Assets America® for some of the most flexible airplane financing and jet loans in the US aircraft finance market. In this article, we will discuss:

  • Business Aircraft Markets
  • Corporate Aircraft Financing
  • Commercial Aircraft Financing
  • Types of Aircraft We Finance
  • Helicopter Financing Aviation Financing (Including Leases and Loans)
  • Aircraft Loan Calculator
  • Airplane Financing Terms
  • Airplane Financing Companies
  • Aircraft Financing Banks and Lenders
  • Infographic: 5 Keys to a Successful Loan Application
  • Online Resources

Business Aircraft Markets


Businesses use and own corporate aircraft for their own purposes rather than commercial enterprises. Typically, corporate aircraft transport individuals connected to the business. For example, this includes employees, directors, customers, vendors and others. Corporations may own or lease their own aircraft. Alternatively, they may make arrangements with a third-party operator.

There are several classifications of corporate jets. For example, these include:

Large jets typically carry up to 14 passengers with pricing starting above $30 million, whereas long-range jets carry up to 19 passengers and cost $60 million on average. We will be happy to arrange aviation financing for your next corporate aircraft of $10 million or greater. You’ll find our aircraft financing services superior to what you usually receive from other aircraft financing companies.

How Assets America® Can Finance Your Request!

We invite you to contact Assets America® for the best deals in private, corporate, and commercial aircraft financing. Assets America® leverages a large nationwide network of aviation lenders for airplane loans, including but not limited to: private money funding sources and institutional funding sources both for loans and leases. Accordingly, we can provide you with low margins over the 30-day SOFR for up to 100% of the aircraft’s value!  Finally, we can provide operating and capital leases that may be customized to perfectly fit your needs.

Assets America® ticks all of these boxes when it comes to airplane financing! Our minimum aircraft transaction starts at $10 million with absolutely no maximum limit (the larger, the better we say), limited only by your financial qualifications. Our team of private lenders and institutional funding will provide you with an extremely competitive bid quickly and efficiently. Call us today at (206) 622-3000, or simply fill out the below form for a prompt response!

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Carriers use commercial aircraft, also known as airliners, to transport cargo and passengers in commercial service. The largest non-military aircraft are commercial aircraft, and they include wide-body jets with two or more aisles. On the other hand, shorter flights utilize smaller jets and narrow-bodies. Additionally, some carriers employ turboprop aircraft and turbine aircraft for their shortest routes. The three main markets for commercial aircraft.

For example, these include:

  • Scheduled: These are the familiar carriers including Delta, United, American and so forth. It also includes regional carriers such as Alaska Air. Scheduled passenger flights sell tickets to passengers, follow pre-established routes and schedules, and offer connecting flights to cover a network of destinations.
  • Charter: Charters arrange flights on demand for customers. They fly smaller aircraft, although large chartered flights are available using large jets. Customers dictate destinations and schedules. VIP airliners are the largest charters. They accommodate large groups such as sports teams, press corps and entourages. Makers of VIP Airliners include Airbus, Boeing and Embraer.
  • Freight: Large cargo carriers like Federal Express and UPS maintain their own fleets of aircraft for hauling freight. The aircraft have been specially fitted to maximize cargo volume consistent with the plane’s weight limits.

Turn to Assets America® for commercial aircraft financing with some of the lowest aircraft financing rates from through our numerous aviation and aircraft financing sources including, but not limited to: commercial finance banks, private money funding, and numerous other sources.

How to Buy Your First Preowned Business Jet

What Types of Aircraft Can We Finance?

Assets America® provides airplane loans from $10 million to $200+ million. Naturally, we can provide much greater commercial aircraft financing for aircraft fleet purchases. We bring aviation financing and aircraft purchase expertise to companies looking for any type of airplane loan, jet lease, or aircraft purchase. Here are the typical aircraft for which we provide airplane loans and services.


A turboprop is an airplane with a turbine engine that drives a propeller. Unlike a jet, the engine’s exhaust gases are insufficient to create enough thrust since. Instead, the energy turns the propeller. A compressor forces air and fuel into a combustor where it ignites, which then generates power to drive the propeller and the compressor. Additional thrust comes from a propelling nozzle that exhausts gases to the outside. The most popular single-engine turboprop is the Pilatus PC-12, whereas the leading multi-engine turboprop is the King Air 200.

aircraft financing

Turbofan Jet Plane Loans

A jet aircraft has one or more turbofan engines. Specifically, these are air-breathing jet engines that use a gas turbine to feed mechanical energy into a fan that provides thrust. Only some of the intake air travels through the turbine, while the remainder routes directly to the fan. We provide airplane financing for a variety of jets. For example, these include:


The Learjet 70 and 75 are light jets manufactured by Bombardier, a Canadian aircraft maker. Learjets have powerful, fuel-efficient engines, winglets and advanced avionics. They hold a crew of 2-8 passengers, with a maximum takeoff weight of 21,500 lbs and a cruising speed of 535 mph. Finally, the Learjet 70 and 75 cost more than $10M each.



Gulfstream, a division of General Dynamics, makes a lineup of jets that includes the G280, G350, G450, G500, G550, G600, G650, G650ER and their new, top of the line G700. All can hold up to 19 passengers except for the 10-passenger G280. The Gulfstream G650 (see image below) is one of the company’s largest and fastest business jets. It has a price of almost $70 million, a cruise speed of 610 mph, and a maximum takeoff weight of 99,600 lbs. The 650ER is an extended range version with an additional 4,000 lbs. of takeoff weight.



This Canadian aircraft manufacturer makes several business and commercial jets. The largest business jet is the Bombardier Global Express, and commercial jets produced include the Bombardier CRJ series and the Airbus A220 series. The CRJ1000 sells for around $50 million.


This is a French manufacturer of the Falcon family of business jets. Its most impressive jets are the Falcon 7X and 8X large cabin tri-jets. Top travel range is 7,400 miles, and individual jet prices are north of $50 million.


The Boeing Commercial Airplanes Division makes business jets and airliners. The BBJ family of narrow-body business jets are derived from the Boeing 737 airliner. Wide-body VIP models are based on the commercial 747, 777 and 787 airliners. Boeing also makes the 767 model. The Boeing 787-10 Dreamliner aircraft sells for about $326 million (see image below).



This is a European manufacturer of the A-Series of commercial airliners. The top model is the Airbus A380 (see image below), a huge widebody, double-decker with four jets that is currently the world’s largest passenger airliner! You can own one for a cool $445.6 million, and we can arrange both the aircraft sale and financing for you.


Helicopter Financing

A helicopter is a rotorcraft that can take-off and land vertically, fly in all directions and hover. There are many variations on the design of the rotors, cabins and engines. American helicopter manufacturers include Boeing, Textron (Bell), Lockheed Martin (Sikorsky), MD, and Kaman. A typical executive helicopter is the Lockheed Martin Sikorsky S-76D (see picture below) powered by a pair of Pratt & Whitney engines, good for a 11,700 gross weight and top speed of 178 mph. It seats 13 and prices start around $10 million.

For more information, you can read this Guide to Helicopter Financing (coming soon) or this Guide to Helicopter Leasing (coming soon). Additionally, read this post on How Much Does a Helicopter Cost? (coming soon).


Aviation Financing

Aircraft are purchased or leased. Sources of financing include:

  • Leasing Companies
  • Capital Markets
  • Commercial Banks
  • Export Credit Agencies
  • Private Equity/Hedge Funds
  • Tax Equity
  • Insurance Companies
  • Airframe and Engine Manufacturers

Aircraft Leasing

There are two major types of aircraft leasing:

  • Wet leasing: The lessor (for example, an airline) provides aircraft, crew, maintenance and insurance to the lessee (another airline or other business) that acts as an air travel broker.
  • Dry leasing: The lessor is an aircraft financing company that provides an aircraft without the crew and other features of a wet lease. Lessors are usually banks and leasing companies. The typical term is two years. Often, this is the term length for leases between a major and a regional airline.

Both capital and operating leases are available. A capital lease usually ends with an ownership transfer to the lessee, whereas the airplane reverts to the lessor under an operating lease. There are exceptions, however, as when the lessee chooses to renew the lease or purchase the aircraft.

Aircraft Loans

Secured commercial aircraft financing is a common way to arrange aircraft loans. Assets America® can arrange secured aircraft financing using a syndicate of banks and other loan sources. The aircraft then serves as collateral on the loan. Accordingly, the lender can repossess the aircraft in case of default. Ownership may be preferable over leasing to take advantage of depreciation. Other types of loans we can arrange include:

  • Revolving Loans
  • Warehouse Loans
  • Bridge Loans
  • Pre-Delivery Payment Loans
  • Aircraft-Backed Bonds/Enhanced Equipment Trust Certificates

Aircraft Loan Calculator

An aircraft loan calculator can help you figure your monthly payments for the aircraft. You simply enter the terms for your loan into the airplane loan calculator input fields.

The aircraft loan calculator will compute your payments based on your inputs. Also, the calculator can show you alternate payments for various loan terms (length of loan).

Airplane Loan Calculator

Airplane Financing Terms

There are several airplane financing terms you need in order to calculate your monthly payments. For example, these include:

  • Purchase Price:  The full price of the aircraft, as well as any closing costs that you roll into the loan.
  • Aircraft Type:  Some calculators give you term and rate guidance depending on aircraft type.
  • Down Payment:  Most loans require 15% to 30% down.
  • Interest Rate:  Interest rates can be as low at the mid-single digits for high-end bank financing up to low double digits for private money funding such as a hedge fund.
  • Term:  Normally, terms are 10, 15 or 20 years.

Aircraft Financing Companies

There are many types of aircraft financing companies that you can consider. When deciding on an airplane financing company, you will do well to demand certain characteristics. For example, these include:

  • The ability to fund even the largest purchase
  • Flexible terms that suit your circumstances
  • Understanding the requirements of the International Registry and working with you to satisfy them
  • Competitive rates
  • Fast approval and issuance of a term sheet
  • Ability to finance upgrades and add-ons to your purchase
  • A long history in commercial financing with a very high success rate

Aircraft Financing Companies

It helps to make a good impression when dealing with aircraft financing banks and other aircraft lenders. Before you ask for a loan, you should assemble the kind of information that aircraft funding sources seek. Typically, they will ask to see your financial information, including recent tax returns along with a personal financial statement and a corporate financial statement if you are requesting financing on a corporate jet.

They will also look at your current debt and your current credit rating. Therefore, you will want to pay down debt to acceptable levels before applying. If your credit rating is low, then consider taking on partners or co-signers for the loan. In addition, a larger down payment may facilitate loan approval even when your credit is less than stellar. Finally, be willing to accept a recourse loan to help assure aircraft financing banks of your willingness to proceed forward and of your overall credit character.


Aircraft Financing – 5 Keys to a Successful Loan Application

aircraft financing

Aircraft Financing Glossary

Accelerated DepreciationThe practice of depreciating an asset more in earlier than in later years. This allows a company to reduce its tax payments, improving cash-flow during the early years of an asset’s use
Aircraft-backed BondsAlso called aircraft asset-backed securities (Aircraft ABS), these securities allow lessors to finance large portfolios of commercial aircraft with attractive debt pricing
Breakage CostsAlso called a prepayment penalty, it is the fee a borrower must pay to the lender for pre-paying a fixed rate loan, though only in cases where the loan agreement had a prepayment penalty clause
Enhanced Equipment Trust CertificatesA financial security used to finance containers used for shipping and offshore businesses, and aircraft purchases
Half LifeA component or piece of equipment of an aircraft reaches its half life when precisely midway between installation and replacement
IncotermsA set of pre-defined commercial terms published by the International Chamber of Commerce (ICC) relating to international commercial law
Institutional InvestorsInvestors such as banks, insurance companies, trusts, pension funds, foundations, and educational, charitable, and religious institutions
Learning CurveThe trend of major manufacturing programs experiencing higher costs in the earlier phases of production than in later years, as production processes improve; in effect, cutting-edge technology is exponentially more expensive to manufacture and/or purchase
LIBORThe “London Interbank Offered Rate” is an index used to determine the cost of various variable-rate loans, including in the US; it can be found in the Wall Street Journal
Pre-Delivery Payment LoanAlso called Aircraft PDP Financing, this refers to the process of purchasing an aircraft from a manufacturer before the product has reached completion
Origination FeeThe fee imposed by lenders to draw up the loan documentation; origination fees are typically 1 basis point, so the fee for a $400,000 loan will be ~$4000
Revolving LoansA type of loan that allows for the principal to be withdrawn, repaid, and redrawn again as many times as the borrower wishes within a certain time frame

Online Resources for Airplane Loans

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Eric D.
Pleasure to work with and extremely knowledgeable

Ronny was a pleasure to work with and is extremely knowledgeable. His hard work was never ending until the job was done. They handled a complex lease and guided us through entire process, including the paperwork. Not to mention a below market lease rate and more than all the features we needed in a site. We later used Assets America for a unique equipment financing deal where once again Ronny and team exceeded our expectations and our timeline. Thank you to Assets America for your highly professional service!

exp MFGroup
Great experience with Assets America

Great experience with Assets America. Fast turn around. Had a lender in place in 30 minutes looking to do the deal. Totally amazing. Highly recommend them to anyone looking for financing. Ronny is fantastic. Give them a call if the deal makes sense they can get it funded. Referring all our clients.

William P.
Assets America guided us every step of the way

Assets America guided us every step of the way in finding and leasing our large industrial building with attached offices. They handled all of the complex lease negotiations and contractual paperwork. Ultimately, we received exactly the space we needed along with a lower than market per square foot pricing, lease length and end of term options we requested. In addition to the real estate lease, Assets America utilized their decades-long financial expertise to negotiate fantastic rates and terms on our large and very unique multimillion dollar equipment purchase/lease. We were thankful for how promptly and consistently they kept us informed and up to date on each step of our journey. They were always available to answer each and every one of our questions. Overall, they provided my team with a fantastic and highly professional service!

Bob B.
The company is very capable, I would recommend Assets America

Assets America was responsible for arranging financing for two of my multi million dollar commercial projects. At the time of financing, it was extremely difficult to obtain bank financing for commercial real estate. Not only was Assets America successful, they were able to obtain an interest rate lower than going rates. The company is very capable, I would recommend Assets America to any company requiring commercial financing.

Ricardo L.
Assets America was incredibly helpful and professional

Assets America was incredibly helpful and professional in assisting us in purchasing our property. It was great to have such knowledgeable and super-experienced, licensed pros in our corner, pros upon which we could fully rely. They helped and successfully guided us to beat out 9 other competing offers! They were excellent at communicating with us at all times and they were extremely responsive. Having them on our team meant that we could always receive truthful, timely and accurate answers to our questions. We would most definitely utilize their services again and again for all of our real estate needs.

Assets America is a great company to work with

Assets America is a great company to work with. No hassles. Recommend them to everyone. Professional, fast response time and definitely gets the job done.

DAC Team
Great experience

Ronny at Assets America has been invaluable to us and definitely is tops in his field. Great experience. Would refer them to all our business associates.

MF Group
We were very pleased with Assets America’s expertise

We were very pleased with Assets America’s expertise and prompt response to our inquiry. They were very straight forward with us and helped a great deal. We referred them to all our business associates.

Manny C.
Worked with this company for decades

I’ve worked with this company for decades. They are reputable, knowledgeable, and ethical with proven results. I highly recommend them to anyone needing commercial financing.

David B.
Top-notch professional

Ronny was incredibly adept and responsive – top-notch professional who arranged impressive term sheets.

Monte M.
Assets America helped us survive a very difficult time

Assets America helped us survive a very difficult time and we most definitely give them 5 stars!

Brent G.
Gave me direction to go

Ronny was very friendly and though we were unable to make something happen at the moment he gave me some direction to go.

Allan E.
Highly recommend them for any type of commercial financing

My business partner and I were looking to purchase a retail shopping center in southern California.  We sought out the services of Ronny, CFO of Assets America.  Ronny found us several commercial properties which met our desired needs.  We chose the property we liked best, and Ronny went to work. He negotiated very aggressively on our behalf. We came to terms with the Seller, entered into a purchase agreement and opened escrow.  Additionally, we needed 80 percent financing on our multimillion-dollar purchase.  Assets America also handled the commercial loan for us.  They were our One-Stop-Shop. They obtained fantastic, low, fixed rate insurance money for us.  So, Assets America handled both the sale and the loan for us and successfully closed our escrow within the time frame stated in the purchase agreement.  Ronny did and performed exactly as he said he would. Ronny and his company are true professionals.  In this day and age, it’s especially rare and wonderful to work with a person who actually does what he says he will do.  We recommend them to anyone needing any type of commercial real estate transaction and we further highly recommend them for any type of commercial financing.  They were diligent and forthright on both accounts and brought our deal to a successful closing.

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