Business Jet Financing Made Simple
Get pre-approved in 3 days with pilot-staffed experts who understand your mission.
Get Quote NowBusiness Jet Financing Solutions for Pilots and Operators
Business jet financing is a loan secured by the aircraft. You put down 10–20% and finance the rest over 5–20 years. It's straightforward on paper, but the lenders matter. Most banks have never seen a King Air and don't want to learn. We have.
We're a licensed aircraft financing broker with over 50 years in general aviation. Our team includes licensed pilots, A&P mechanics, and finance specialists. We're based in Lexington, Kentucky and serve operators across all 50 states with financing up to $60MM.
We've closed deals for Citations, King Airs, Pilatus PC-12s, Embraer Phenoms, and everything in between. Our FastTrack Guarantee gets you a pre-approval decision within 3 business days, or we pay you $100. No automated systems. No boilerplate packages. Just people.
Beyond jet purchases, we handle aircraft refinancing, upgrade financing, and hangar financing. One broker. Complete solutions.
★★★★★ Rated 5 stars on Trustpilot by pilots who've gone through our process.
How Business Jet Financing Works
From application to delivery, our four-step process keeps you ahead of every milestone.
Understanding Your Aircraft Lending Requirements
Lenders evaluate four things: your credit, your down payment capacity, the aircraft, and your experience.
Credit standards vary by lender and loan size, but you need a solid financial foundation. Down payment expectations are 10–20% of the aircraft's purchase price. If you're buying a $2MM jet with 15% down, that's $300K out of pocket and an 85% loan-to-value ratio. Most lenders cap LTV at 80–90%.
They'll also look at your aviation background. Commercial pilots or people with turbine time have an edge. If you're a first-time jet buyer, some lenders want to see you've completed type-specific training before closing.
Aircraft age and condition matter. A newer jet or a well-maintained used aircraft gets better terms. Expect questions about maintenance records, total time, and avionics.
Every situation is different. Contact us for a personalized assessment based on what you're actually trying to buy.
Application and FastTrack Pre-Approval
Our application takes 30 minutes. We review it that same day and match you with the right lenders from our network of 15+ regional and national banks.
Because we're pilots, we know your operational needs. We can match you with lenders who specialize in light jets versus charter operations versus turboprops. We know which banks get owner-flown missions and which ones understand charter economics.
Our FastTrack Guarantee delivers a pre-approval decision within 3 business days, or we pay you $100. This isn't a marketing claim. We've spent 50 years streamlining this process and building relationships with lenders who can move fast. A generic commercial loan committee takes weeks. We take days.
We compare offers from multiple lenders so you're not locked into one bank's terms or underwriting philosophy. Regional banks in our network often offer financing on aircraft the big national institutions won't touch.
Documentation is straightforward: personal financial statement, two years of personal tax returns, proof of pilot certification or operating experience, and a signed purchase agreement if you've found your aircraft. Loans above $2MM sometimes trigger requests for additional business financials if you're buying through an entity.
Rate and Term Approval
Once pre-approved, your lender lays out final rate and term options.
Several factors move your rate: credit strength, down payment percentage, aircraft age, and how long you want to finance. You also choose between fixed and variable rates.
Fixed rates lock in your payment. Variable rates (usually tied to prime or SOFR) start lower but move with the market. Pick fixed if you want payment certainty. Pick variable if you're betting on rates falling and can stomach the uncertainty.
Term options run from 5 to 20 years. Shorter terms mean higher monthly payments but less total interest. Some operators choose a 20-year amortization with a 5-year balloon payment. Low monthly cash flow right now, refinance or pay off the balloon in year 5. Works if you're planning to upgrade aircraft mid-term.
A bigger down payment also helps your rate. Put down 20% instead of 10% and you'll likely qualify for a better rate because you have more equity from day one.
Market conditions and your credit profile determine the exact numbers. Contact us for a current quote based on today's lending environment and your specific aircraft.
Closing and Taking Delivery of Your Business Jet
After final approval, closing is a coordination dance between your attorney, the seller's broker, the title company, and the lender. It's not complicated, but it matters to get it right.
Title search comes first. The title company verifies the aircraft has a clean title with no existing liens or legal problems. Protects both you and the lender.
You need aircraft insurance in place before closing. Your lender specifies the hull coverage and liability limits in your loan agreement. We can connect you with specialized aviation underwriters. They understand turbine aircraft and write big coverage limits.
Escrow protects everyone. Your funds go into escrow, the FAA lien gets filed, the aircraft registration transfers to your name, and then the seller gets paid. Your attorney walks you through it step by step.
We coordinate with your attorney, the seller's broker, and the title company to keep everything on track. We've closed hundreds of these. We know the pitfalls: missing endorsements on insurance binders, delayed lien releases on trade-ins, wire transfer timing issues. We keep you ahead of it.
When you take delivery, the lender files a security interest with the FAA. That lien stays on the aircraft record until you pay off the loan or refinance.
Comprehensive Aircraft Insurance Through AGL's Insurance Partners
Insurance isn't optional. Every lender requires it before they'll fund your deal. We simplify the process by connecting you with specialized aviation underwriters.
Your local insurance agent quotes auto and homeowners policies. Our insurance partners focus exclusively on aviation. They understand turbine aircraft values, know the claims history for your specific make and model, and work with carriers who actually write jet hull coverage above $5MM.
You get one broker handling both finance and insurance. No need to educate a separate agent about hot section inspections or why your Citation's avionics suite affects insurability. Coverage includes hull (physical damage to the aircraft) and liability protection. Your lender specifies minimum coverage amounts, but smart operators carry higher limits than the minimums.
Why AGL for Business Jet Financing and Insurance
Our team includes licensed pilots who have financed their own aircraft. We've sat where you're sitting, felt that mix of excitement and responsibility about structuring a deal. That changes how you approach someone else's decision.
We've survived multiple market cycles in 50+ years. We know which lenders stayed in aviation lending when others exited. We know which regional banks have off-menu programs for owner-flown jets. We know which underwriters actually understand why a well-maintained King Air is different collateral than a project Citation.
We access regional banks that don't advertise publicly. They don't have billboards. They lend to their business customers and to aircraft operators introduced by brokers they trust. We have those relationships. You don't, trying to call them cold.
Up to $60MM financing capacity. Nationwide service from Lexington, Kentucky. Trusted by operators across all 50 states.
Why Not Use a Big Bank for Business Jet Financing
Your local bank is great at commercial real estate and business lines of credit. Aircraft financing is not their strength.
Commercial banks evaluate aircraft like trucks or manufacturing equipment. They don't understand residual values, inspection intervals, or how a fresh avionics upgrade changes collateral value. Most either decline aircraft financing or offer terms that assume way more risk than actually exists.
"I've seen it a hundred times: a qualified borrower gets declined by their hometown bank or gets a quote requiring 30–40% down and a 5-year balloon. That bank has no aviation underwriting expertise. They're applying generic risk logic to a specialized asset class."
Specialized aviation lenders offer 80–90% financing, terms up to 20 years, and faster approvals because they underwrite hundreds of aircraft annually. They know a 2015 King Air 350 with low time and complete logs is excellent collateral. Your local bank's commercial loan committee doesn't.
As a broker, we shop your loan across multiple specialized lenders. You get actual options, not a one-size-fits-all package from a single institution that may not understand what you're buying.
Regional banks in our network want your business. They just don't advertise publicly because they source deals through broker relationships.
Ready to Finance Your Business Jet
FastTrack Guarantee: pre-approval in 3 business days, or $100. No obligation, no automated systems. Just real pilots who understand your mission.
Get Pre-Approved in 3 Days — Contact Us NowThe Benefits of Choosing AGL for Business Jet Financing
Pilot-Staffed Expertise
We've actually been in your seat. When you talk about needing a plane that can do hot-and-high strips, we don't have to Google what you mean. We speak your language: NBAA range, avionics packages, hot section inspections.
Call about a King Air 350 and you talk to someone who knows why the PT6A-60A engines matter for operating costs and resale value. Ask about a Citation M2 and we already know it's single-pilot with Garmin G3000 avionics. We've financed dozens of them.
First-hand operating experience shapes how we structure your financing. We're not just moving money. We're helping fellow operators build deals that fit their actual missions.
FastTrack 3-Day Guarantee
Pre-approval within 3 business days, or we pay you $100.
We've streamlined this over 50 years. Our lender relationships and aviation-focused underwriting mean faster decisions than generic commercial loans that sit in a committee queue for weeks.
Most pre-approvals happen in 48 hours. The 3-day guarantee covers rare situations where a lender needs extra documentation or a committee only meets weekly. Even then, three days is our ceiling.
Speed matters when you've found the right aircraft and other buyers are interested. A credible pre-approval letter in two days can be the difference between securing your jet and watching someone else buy it.
Access to Specialized Lenders
We partner with 15+ regional and national banks that specialize in aviation. Many have programs not advertised publicly. They source deals through trusted brokers.
We shop your loan to find the best rate and term combination, not just the fastest approval. You get real options. Bank A offers the lowest rate but wants 20% down. Bank B does 10% down at a slightly higher rate with flexible prepayment terms. We show you both and you decide what fits your situation.
Regional banks often surprise people with their competitiveness. A Kentucky-based lender might offer better terms on a King Air than a New York money center bank because they understand regional aviation operations and have a portfolio full of similar aircraft.
Access matters. These lenders don't take cold calls from individual borrowers. They work through established broker relationships where they trust the deal quality.
Need hangar financing too? We offer specialized hangar loans with terms up to 25 years. One broker, complete solutions.
Business Jet Financing FAQs
Rates move with Federal Reserve policy and market conditions. We'll provide current quotes from our lender network based on your credit profile, down payment, and aircraft type. Rates vary more than you'd expect based on which lender you work with and aircraft age.
Standard is 10–20% of purchase price. Some lenders offer up to 90% LTV (10% down) for highly qualified borrowers purchasing newer aircraft under 10 years old. Your number depends on credit strength, aircraft age, and which lender you work with.
We deliver pre-approval decisions within 3 business days via FastTrack. Final approval and closing typically take 2–4 weeks after that, depending on title search and documentation timelines. We've seen deals close in 10 days when everything aligns. Three weeks is more typical.
Yes. Most lenders finance used jets. Terms and rates vary by aircraft age and condition. Newer used aircraft (under 10 years) qualify for the best rates and longest terms. We finance Citations, King Airs, Gulfstreams, and other models across all age ranges. We'll match you with lenders who specialize in whatever you're buying.
Personal financial statement, two years of personal tax returns, proof of pilot certification or operating experience, and a signed purchase agreement if you've identified an aircraft. Loans above $2MM sometimes trigger requests for additional business financials if you're buying through an entity, plus three years of tax returns. We provide a full checklist during pre-approval.
Three key differences: the aircraft itself is collateral (a secured loan), lenders require proof of aviation experience, and specialized lenders use aviation-specific underwriting considering make, model, maintenance logs, and residual values. Generic commercial banks often decline aircraft loans because they lack this expertise.
Yes. Business jet refinancing can lower your interest rate, reduce monthly payments, or access equity for upgrades. Refinancing makes sense when rates drop significantly below your current loan or when your credit improves. We specialize in aircraft refinancing and compare offers from multiple lenders to find your best option.
We finance light jets (Citation Mustang, Phenom 100), midsize jets (Citation XLS, Hawker 800XP), super-midsize jets (Citation X, Challenger 300), and large cabin jets (Gulfstream G450, Global 6000). We also handle turboprops (King Air series, Pilatus PC-12, TBM) and piston twins. If it has wings and an N-number, we've likely financed it.
No. But having a pilot certificate or documented operating experience strengthens your application. If you're not a pilot, lenders typically want to see you have access to qualified crew and a solid operational plan. Business operators purchasing aircraft for charter or corporate use often qualify based on business creditworthiness rather than personal pilot credentials.