Aircraft Financing

Most aircraft finance structures involve fixed monthly instalments over a term ranging from a few years to more than a decade. Payment amounts depend on the loan size, interest rate, deposit, and repayment schedule.

Some clients prefer shorter terms to minimise interest, while others choose longer terms to reduce monthly outgoings. Options include fixed or variable interest rates.

At Enness, we design repayment plans around your cash flow, income profile, and long-term objectives to ensure your aircraft loan remains sustainable.

The average term for an aircraft loan ranges from 5 to 20 years, depending on the value of the aircraft and the financing options available. Longer terms generally result in lower monthly payments, but may incur more interest over time.

Most aircraft finance arrangements require a deposit, typically 10–30% of the aircraft’s value. The exact figure depends on the lender, your credit profile, and the aircraft type. In certain cases, we can structure deals to reduce or offset deposit requirements.

We arrange finance for a wide range of aircraft, including private jets, commercial planes, helicopters, and smaller light aircraft. Whether new or pre-owned, we can help you secure competitive terms tailored to your aircraft’s specifications and your ownership goals.

Common requirements include proof of income, credit history, tax returns, bank statements, and detailed aircraft specifications. Depending on your circumstances, lenders may request corporate documents, trust deeds, or other ownership-related paperwork. We provide a tailored checklist for every client.

Yes. Enness arranges aircraft finance for private buyers and corporate operators, covering everything from turboprops and light jets to large-cabin long-range aircraft. Lenders advance typically 60–70% of the appraised value, with the aircraft registered as security. Age, type, condition, maintenance history, and operational use (private vs charter) all affect lender appetite. Enness manages the financing process alongside aviation legal specialists. 

Yes, aircraft finance can often be arranged for borrowers using international or offshore ownership structures, particularly where aircraft are held through special purpose vehicles (SPVs), trusts, or corporate entities.

Specialist lenders regularly structure facilities across multiple jurisdictions and can support transactions involving private jets registered outside the UK, assets based in different operating regions, or borrowers with globally diversified balance sheets. Lending decisions typically consider the aircraft’s registration location, usage profile, operator structure, and the borrower’s wider asset base.

Working with a broker experienced in cross-border aviation finance helps ensure lenders with the appropriate jurisdictional appetite are identified early in the process, which can significantly improve execution timelines and flexibility.