Aviation Finance
Light jets, turboprops, helicopters and fractional shares.
Aircraft acquisition, refinance and operating lease structures — with charter-revenue and fractional models supported.
Ticket size
£500K – £80M
Turnaround
Indicative in 7 days
Capital partners
7+
Composes with
3 sectors
Key highlights
What sets this apart.
Operating lease
Charter revenue
Fractional models
The problem
Why this capability exists.
Aviation lending requires specialist tax, registration and residual expertise. Most banks decline at first mention.
Our approach
- 01
Structure for operating lease, finance lease or HP.
- 02
Optimise for VAT, customs and registration.
- 03
Recognise verified charter revenue in covenants.
Outcomes you can expect
- Specialist aviation lenders accessed
- VAT and registration optimised at structuring
- Operating-lease residuals priced competitively
Typical structures
How aviation finance deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
- up
Independent funder · Soft asset finance (tech)
Re-focusing on mid-ticket; sub-£25k routed to platform partners.
Min ticket lifted to £25k (was £10k)
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
HNW & family offices
50%
Structured credit, complex cases, cross-border, tax-efficient capital.
Brokers & intermediaries
25%
Lender intel, criteria shifts, packaging playbooks.
Property developers & investors
0%
Bridging, development finance, BTL portfolios, refurb-to-let.
Composes well with
Stack ideas our desk has placed before.
Residential Mortgages
From first homes to £20M private-bank lending.
Regulated Bridging
Chain-break and own-home bridging in 5–10 days.
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Expat & Foreign-National Mortgages
UK lending for non-doms, expats and overseas nationals.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Can you identify the asset (make / model / serial / yard)?
- Will the asset be based / used in the UK or EU?
- Can you contribute 10%+ deposit?
- Trading entity 12+ months (or HNW personal balance sheet)?
- Will the asset be fully insured throughout the term?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£7.1k
Total interest
£78k
Arrangement fee
£3.5k
Effective APR
8.45%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Asset Finance Bank LTier 1
HP / Lease
Indic. BoE +2.5%
- Specialist Marine House MSpecialist
Marine HP
Indic. 7.95% pa
- Aviation Finance Desk NSpecialist
Aircraft loan / lease
Indic. SOFR +2.7%
- Lombard Private OPrivate
Luxury Lombard
Indic. BoE +1.85%
- Plant & Yellow Goods PSpecialist
Heavy plant
Indic. 8.45% pa
- Fleet Lease QAlt
HGV / van fleet
Indic. 9.25% pa
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address
- Asset invoice / schedule / valuation
- 3 months personal & business bank statements
- Latest filed accounts (if business)
- Insurance binder confirming cover
- Yard / berth / hangar agreement (where applicable)
- Source of deposit evidence
FAQs
Frequently asked
The questions clients always ask.
Yes — including classic cars, fine art, marine and aviation. We use specialist Lombard and asset-house structures.
All three are available. We'll model TCO and tax position before recommending.
Yes — staged drawdowns against build certificates with the relevant specialist house.
5–10 working days for vanilla HP; 2–4 weeks for marine / aviation / luxury Lombard subject to valuation.
Short enquiry
Tell us about your aviation finance requirement.
A specialist will respond within one business hour. No credit footprint.