Loans Against Aircraft | Aircraft Finance Worldwide

Loans Against Aircraft: Release Capital Without Selling

loans against aircraft

Loans against aircraft are more than a way to access capital—they transform your private jet loan or aircraft finance into a strategic asset that can release liquidity without selling.

For many owners—whether private individuals, corporations, or charter operators—using an aircraft as collateral is a smart financial move that preserves ownership and operational control.

Platinum Global Bridging Finance arranges both short-term bridge loans and longer-term aircraft financing, providing flexible solutions tailored to your objectives. Whether you want private jet finance, an aircraft loan, or aviation loans against an aircraft you already own, we arrange aircraft financing internationally, including the UK, Europe, the US, the Middle East and Asia.

Short-term bridge loans deliver fast access to liquidity for acquisitions, refinancing, or temporary cash flow needs, while longer-term facilities support strategic goals such as fleet expansion, business growth, or balance sheet optimisation.

Instead of liquidating valuable aviation assets, borrowers can leverage their aircraft to secure bespoke funding that aligns with both their financial strategy and timelines.

At Platinum Global Bridging Finance, we structure aircraft-backed lending solutions that are fast, discreet, and bespoke. Whether you own a Gulfstream, Cessna, Dassault Falcon, or a fleet of commercial aircraft, we help you unlock capital tied up in your aviation assets without disrupting your operational control.

Aircraft Finance Options: Bridge and Longer-Term Loans

Short-Term Aircraft Bridge Loans

Platinum Global Bridging Finance arranges fast, flexible short-term loans secured against aircraft, including private jets, turboprops, and helicopters. These loans are designed for clients needing immediate liquidity without selling their aviation assets. Funding can be completed in as little as one to two weeks, and we often work with clients who prefer to keep financing confidential. Typical terms start from six months, with interest-only repayment options on bridging loans, subject to credit approval. This solution is ideal for owners or operators who need capital while their aircraft is being sold, refurbished, or repositioned, or when quick access to cash is essential for a new acquisition or business opportunity.

Longer-Term Aircraft Loans

For clients looking for a more structured, long-horizon financing option, we offer bespoke longer-term loans against aircraft from $2 million up to $2 billion or equivalent. These loans are tailored for high-net-worth individuals, corporate jet owners, and aviation businesses seeking to leverage aircraft assets strategically—whether to refinance existing debt, fund upgrades, or expand a fleet. Our lender network offers competitive rates and flexible terms that often outperform traditional luxury-asset financing. We can accommodate complex ownership structures, offshore entities, and foreign nationals, with the focus placed firmly on the asset’s value and airworthiness, alongside a review of the borrower and any guarantors.

Who We Help – Private & Commercial Owners

Our clients include high-net-worth individuals, family offices, corporate jet owners, and commercial operators.

• Private Individuals (UHNW): Private Jet owners who wish to access liquidity while continuing to fly privately.

• Corporate Borrowers: Businesses seeking to refinance or leverage their jet aircraft for working capital or expansion.

• Commercial Operators: Charter services, air-taxi companies, and cargo carriers that require structured aviation loans to fund fleet growth.

• International Clients: We work with borrowers across the UK, Europe, the Middle East, and Asia—handling complex cross-border financing through trusted custodians and legal partners.

How Aircraft Finance Works: Eligibility, LTV and Terms

Asset Eligibility & Assessment

Aircraft loans are asset-backed facilities where the aircraft itself serves as collateral. We typically accept:

• Private jets and light jets (e.g., Gulfstream, Bombardier, Embraer, Dassault Falcon)

• Turboprops and light commercial aircraft

• Helicopters used for business, private, or charter purposes

The eligibility depends on factors such as:

• Aircraft age and maintenance history

• Current market value and liquidity

• Ownership structure and registration (G-, N-, or offshore registry)

• Clear title with no encumbrances or liens

Each aircraft undergoes an independent valuation using market comparables, residual value projections, and manufacturer data to establish a fair loan-to-value ratio.

Loan Terms – Key Parameters

Our aviation loans are highly flexible, typically structured around the client’s requirements and the asset’s liquidity profile.

• Loan-to-Value (LTV): Typically 50–65% of appraised value when borrowing against an aircraft you own, and up to 80% of purchase price or appraised value for acquisition finance on modern, well-maintained aircraft. Subject to credit approval.

• Loan Amounts: From $2 million up to $2 billion, including multi-aircraft financing.

• Term Length: From 6 months for bridging loans, and up to 5–7 years for longer-term amortising facilities.

• Repayment Options: Interest-only on bridging loans. Longer-term facilities are usually amortising, with an optional balloon payment of up to 50% of the facility.

• Interest Rates: Competitive and determined by aircraft class, age, and jurisdiction.

• Security & Guarantees: Typically the aircraft held in a special purpose vehicle, with a corporate guarantor and assignment of insurance, warranties and maintenance programme. Recourse terms vary by transaction.

• Speed & Confidentiality: Funding can be completed in as little as 7–10 days once documents and valuation are in place.

Our Process – Step-by-Step

1. Initial Enquiry: The borrower provides aircraft details—make, model, registration, and intended use of funds.

2. Preliminary Assessment: We conduct a quick review of aircraft eligibility and borrower profile.

3. Indicative Term Sheet: Within 48 hours, we provide non-binding loan terms outlining the proposed structure.

4. Due Diligence: Includes title verification, KYC, valuation report, and maintenance review.

5. Formal Agreement: Both parties execute the loan and security documents.

6. Collateralisation: The aircraft is pledged or placed under charge (not transferred or sold).

7. Funding: Loan proceeds are disbursed to the borrower’s nominated account.

8. Servicing: Borrower pays interest, and the lender monitors asset value.

9. Exit: Upon repayment, the charge is released and aircraft title remains intact.

This structured, transparent process ensures speed, security, and peace of mind for all parties involved.

Aircraft Finance Worldwide: Structures, Asset Types and Documents

Aircraft We Finance

We arrange finance for business jets, helicopters, turboprops and cargo aircraft, across more than 20 aircraft types, with no strict age limit. We can also arrange aircraft engine financing and spare engine leasing, pre-delivery payment finance for new aircraft, and sale-and-leaseback for cargo operators. Local registration is often acceptable, subject to lender approval, and international registration is required for some structures.

A Typical Aircraft Finance Structure

A common structure is a financial lease or loan with amortising payments and an optional balloon. The aircraft sits in a special purpose vehicle that borrows from the lender, backed by a corporate guarantor. A third-party operator or management company runs the aircraft under a management agreement, and the lender takes security over the aircraft, with step-in rights if payments are missed. Insurance, warranties and the maintenance programme are assigned to the lender.

Indicative Terms

• Facility: up to 80% of purchase price or appraised value on acquisition finance
• Balloon: up to 50% of the facility
• Tenor: up to 7 years
• Deposit: required
• Currency: USD or EUR
• Rate: floating, priced over a market benchmark, varying with country risk

Indicative only and subject to credit approval. Terms vary by lender, aircraft and borrower.

Example: $11 Million Business Jet

For illustration, a five-year facility of around $11 million against a business jet might be repaid in 20 quarterly instalments of principal plus floating interest. An all-in cost of roughly 6–7% a year, a deposit of around 7% and an arrangement fee of around 1.8% would be typical of the market at the time of writing. Actual pricing depends on the aircraft, the guarantor and current benchmark rates.

Information Lenders Ask For

• The latest three years of audited accounts
• Interim financials and year-end projections
• Financial statements for any guarantors
• An ownership chart showing the structure and shareholders
• A short history of the company and its operations

High Net Worth Clients

For certified high-net-worth clients, we offer bespoke aircraft finance solutions with lending facilities from $2 million up to $2 billion. Every structure is tailored to individual requirements, with flexible terms, competitive rates, and broader portfolio assessments than traditional aircraft financing. Our approach allows greater leverage across diverse asset holdings while maintaining the aircraft as security. Each loan is customised to align with your liquidity goals and long-term asset strategy. Terms and conditions apply.

Business Use Clients

For corporate operators and business owners seeking to unlock capital, we provide tailored aircraft financing solutions from $2 million up to $2 billion for business use. These facilities can be structured to deliver longer repayment terms, lower rates, and more adaptable underwriting than standard aviation loans. Whether for expansion, refinancing, or working capital, we deliver bespoke funding strategies secured against your aircraft assets. Terms and conditions apply.

Private Jet Loans, Business Aviation and Fleet Finance

Private Jet Loans for UHNW Individuals

High-net-worth clients often prefer to monetise aircraft equity instead of selling valuable assets. Our private jet loans offer liquidity for investment, portfolio diversification, or personal ventures. These loans are discreet and flexible.

For example, a jet owner with a $6 million Gulfstream G550 can access up to $3.5 million within a week, using the funds for property acquisition, portfolio expansion, or tax restructuring—all while retaining use of the jet.

Business Aviation Loans for Corporate Aircraft

Corporate aircraft financing provides working capital or supports fleet renewal. Many firms hold underutilised jets on their balance sheet; leveraging these assets can provide immediate liquidity without taking on traditional corporate debt.

We assist companies with:

• Refinancing existing loans secured against corporate aircraft

• Financing new or pre-owned aircraft acquisitions

• Releasing equity from fully owned aircraft

• Bridge financing until longer-term structured debt is available

Commercial Aviation & Fleet Financing

Operators with multiple aircraft, charter fleets, or air-cargo assets can benefit from fleet-based lending. Our team structures loans using each aircraft as a standalone security or as part of a pooled collateral package.

This structure suits:

• Air-taxi and charter businesses expanding routes

• Small commercial operators upgrading equipment

• Cargo operators requiring capital for maintenance or fleet modernisation

Each facility is tailored to the operator’s balance sheet, aircraft mix, and operational demands.

Refinance & Exit Strategies

Aircraft refinancing can reduce costs or release equity locked in outdated or high-interest loans. We also provide bridge loans to facilitate the sale or lease-back of aircraft awaiting buyer settlement.

Borrowers can:

• Refinance an existing facility with better terms

• Use a bridge loan for short-term liquidity pending asset sale

• Reinvest released capital into fleet upgrades or alternative investments

Why Choose Platinum Global

Specialist Expertise in Luxury & Aviation Assets

Platinum Global Bridging Finance has over 20 years of experience structuring loans for high-value assets including property, yachts, luxury cars, and aircraft. Our lenders understand aviation markets, allowing us to move faster and with more flexibility than traditional banks.

We operate as a broker working with an exclusive panel of private lenders and institutions experienced in aviation-backed lending. This means our clients receive a bespoke approach, competitive pricing, and access to funding that isn’t tied to rigid credit requirements.

Speed, Confidentiality & Global Reach

Aircraft owners often need funding quickly—whether to seize an investment opportunity, resolve short-term liquidity issues, or manage portfolio rebalancing. Our streamlined process delivers indicative terms within 48 hours and funding in as little as one week.

We handle all transactions discreetly. We treat every enquiry confidentially, and whether a facility is reported to credit agencies depends on the lender and the structure. Our global reach across the UK, Europe, the US, and Asia means we can support international registrations and cross-border financing with ease.

Flexible & Bespoke Structuring

Every aircraft loan we arrange is custom-built. Terms can be interest-only on bridging loans, or amortising with a balloon payment on longer-term facilities. We consider both private and commercial-use aircraft and can blend structures to match specific objectives—such as combining business-use assets with private ownership in one portfolio loan.

How to Apply for Aircraft Finance

Submit Your Aircraft Details

Provide your aircraft’s make, model, registration, age, location, and required funding amount through our online enquiry form.

Receive an Indicative Quote

Within 48 hours, we will issue a non-binding term sheet outlining loan amount, LTV, rate, and repayment structure.

Meet With Our Specialist Team

Our aviation finance experts will review the proposal with you and finalise the structure that best fits your needs.

Proceed to Formal Offer & Funding

Once terms are accepted, we arrange for valuation, documentation, and disbursement of funds directly to your account—often within one week.

Contact Us

For bespoke aircraft financing solutions, contact Platinum Global Bridging Finance through our website or regional offices in London, Manchester, Hong Kong, Singapore, and the US.

Conclusion

Owning an aircraft is more than just convenience—it’s a financial opportunity. By leveraging the value locked in your jet, helicopter, or commercial aircraft, you can access fast, flexible funding without giving up ownership.

Platinum Global Bridging Finance is a leading brokerage for luxury and aviation-backed loans, offering global reach, confidentiality, and tailored lending structures. Whether you’re a private jet owner or a commercial operator, our solutions empower you to deploy capital efficiently while maintaining control of your aviation assets.

Visit Platinum Global Bridging Finance to submit your aircraft details and receive an indicative offer today.