Aircraft and Business Jet Financing
Public floor on this desk is $10 million and up. Cash in about 35 percent. Follows the book. There is no 5 day close. Talk to PeerSense.
Can you finance a pre-owned business jet?
Yes, on a file that clears the live public box. Public floor is $10 million and up. Cash in about 35 percent. Pre owned business aircraft have essentially no captive manufacturer financing. Talk to PeerSense.
Pre owned business aircraft do not usually come with a captive manufacturer lender. A pre owned aircraft purchase generally requires third party finance. The financing is a separate transaction that must be structured, underwritten, and placed with a source whose criteria fit the aircraft and the borrower.
Public floor on this desk is $10 million and up. Cash in about 35 percent. Follows the book. There is no 5 day close. Files below $10 million sit.
A straight loan is the most direct structure. The borrower acquires the aircraft and repays principal and interest under a loan agreement, with the aircraft serving as collateral. The right terms still depend on the borrower, the aircraft, its use, and the level of recourse.
A sale and leaseback separates ownership from use. The aircraft is sold to a financing source and leased back to the operator. Suitability depends on the intended holding period and the desired balance sheet treatment.
A capital lease provides the use of the aircraft through a lease structure with characteristics that may be closer to ownership for accounting purposes. The accounting and legal treatment must be reviewed in the context of the buyer's circumstances.
A fair market value lease is built around the aircraft's value at the end of the lease term. The expected holding period and the buyer's preferred balance sheet treatment are central to whether this structure makes sense.
An operating lease is generally focused on use rather than eventual ownership. The decision between an operating lease and another structure comes down to the buyer's expected use, intended holding period, and how the aircraft should be treated on the balance sheet.
Recourse and advance rate are one linked decision, not two separate choices. A request for a high advance rate needs to be assessed alongside the borrower's willingness and ability to stand behind the obligation.
Underwriters examine the aircraft as closely as they examine the borrower. Age, hours, engine enrollment, private carriage versus charter, the buyer's balance sheet, and where the aircraft will be registered all affect collateral value and the sources prepared to consider the transaction.
PeerSense sources capital through a curated network of commercial lenders and capital sources. It matches the borrower with the appropriate lender or financing source and is paid at closing. Talk to PeerSense.
Which structure fits
| Structure | What you end up with | Choose it when |
|---|---|---|
| Loan | You own it outright | You intend to hold the aircraft and want a conventional financing arrangement. |
| Sale and leaseback | Ownership moves, use stays | You already own the aircraft and want the capital back out of it. |
| Capital lease | Ownership at the end | You want the aircraft on your balance sheet and expect to keep it. |
| Fair market value lease | Choice at the end | You want lower payments and flexibility about whether to buy it later. |
| Operating lease | Use only | You want the aircraft for a defined period and not the residual risk. |
Advance rate and recourse move together. Talk to PeerSense on the file.
Talk to PeerSense
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Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
PeerSense sources capital through a curated network of commercial lenders and capital sources. Talk to PeerSense.