Aircraft Financing

Elevate your business with financing from First American.

When frequent travel is part of your lifestyle or business, financing your aircraft can be a smart way to preserve capital and maintain flexibility. First American offers financing for U.S.-registered midsize to large aircraft, including new, pre-owned, and fractional ownership interests. Our team of specialists provides customized financing solutions and expert guidance every step of the way.

Top Reasons to Finance Your Private Aircraft

Retain capital for other strategic investments rather than purchasing your aircraft outright.

Work with a dedicated team of aircraft finance professionals to help streamline the process—whether you're a first-time buyer or an experienced owner. Support includes comprehensive valuations from highly qualified appraisers, guidance through FAA registration, and coordination with legal counsel to facilitate a smooth, efficient transaction.

Choose the option that fits best—whether it’s a conventional fixed rate, a floating rate, or a floating rate with an interest-hedging instrument—so you can fly with financial confidence.

Top Reasons to Finance Your Private Aircraft

Retain capital for other strategic investments rather than purchasing your aircraft outright.

Work with a dedicated team of aircraft finance professionals to help streamline the process—whether you're a first-time buyer or an experienced owner. Support includes comprehensive valuations from highly qualified appraisers, guidance through FAA registration, and coordination with legal counsel to facilitate a smooth, efficient transaction.

Choose the option that fits best—whether it’s a conventional fixed rate, a floating rate, or a floating rate with an interest-hedging instrument—so you can fly with financial confidence.

Financing Options

Full Aircraft Ownership

Finance U.S.-registered new or pre-owned aircraft (up to 15 years old), including jets, turboprops, and helicopters.

Floating or fixed-rate options
Loan-to-values up to 90%
5- to 7-year terms
Amortizations up to 20 years
For personal or business use, including qualified charter utilization under Part 135

Fractional Aircraft Ownership

Experience private aviation without the cost of owning and maintaining a whole aircraft. First American works with leading fractional aviation providers to assist clients with financing shares.

Floating or fixed-rate options
Loan-to-values up to 85%
Terms matching the fractional operating agreement (typically 3 to 5 years)
Amortizations up to 15 years

Cash-Out Financing

If you already paid cash for your aircraft or fractional share, First American offers reimbursement for assets purchased within the last 12 months.

Up to 100% reimbursement of the original purchase price (without any interruption to use)
Loan starts with fixed payments

All transactions are subject to credit approval. Eligibility for a particular service is subject to final determination by First American Equipment Finance. Some restrictions may apply.

Financing Options

Full Aircraft Ownership

Finance U.S.-registered new or pre-owned aircraft (up to 15 years old), including jets, turboprops, and helicopters.

Floating or fixed-rate options
Loan-to-values up to 90%
5- to 7-year terms
Amortizations up to 20 years
For personal or business use, including qualified charter utilization under Part 135

Fractional Aircraft Ownership

Experience private aviation without the cost of owning and maintaining a whole aircraft. First American works with leading fractional aviation providers to assist clients with financing shares.

Floating or fixed-rate options
Loan-to-values up to 85%
Terms matching the fractional operating agreement (typically 3 to 5 years)
Amortizations up to 15 years

Cash-Out Financing

If you have already purchased your aircraft or fractional share outright, First American may be able to offer reimbursement financing, providing access to liquidity while preserving the benefits of ownership.

Up to 100% reimbursement of the original purchase price (without any interruption to use)
Loan starts with fixed payments

All transactions are subject to credit approval. Eligibility for a particular service is subject to final determination by First American Equipment Finance. Some restrictions may apply.

Recently Financed Aircraft

5-year term, 12-year amortization

2026 Embraer Praetor 500 — $1,125,000

The client financed their 50-hour share with an 80% advance rate to spread payments over the length of their fractional operating agreement.

5-year term, 15-year amortization

2024 Bombardier Challenger 3500 — $2,051,954

By financing a 75-hour share with an 85% advance rate, the client was able to satisfy their private travel needs.

Two people sitting on a private plane, one on laptop and the other on phone.

5-year term, 10-year amortization

2013 Gulfstream G650 — $3,600,000

The client enjoyed a cash-out refinance solution on an existing fractional share, financing a 100-hour share at a 90% advance rate.

7-year term, 18-year amortization

2022 Embraer Praetor 500 — $14,175,000

Upgrading their fleet with a third aircraft, we provided the client with a 70% advance rate aircraft loan.

Two people standing beside a small private jet on a runway.

5-year term, 15-year amortization

2011 Dassault Falcon 7X — $21,395,765

The client financed their third aircraft with First American with an 85% advance rate.

5-year term, 15-year amortization

2024 Gulfstream G700 — $73,800,000

Benefiting from a quick close, the client financed this aircraft loan with a 90% advance rate.

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An Exceptional Client Experience

Two people seated in a private jet, one holding a tablet.

Financing an aircraft with First American means working with a dedicated team of experienced specialists who deliver a highly personalized, concierge-style experience from application through closing and beyond.

With an average tenure of nearly 10 years at First American, our aircraft financing professionals understand the complexities of aircraft transactions and provide responsive, knowledgeable guidance every step of the way.

Our commitment to service is reflected in post-closing surveys, where 95% of aircraft clients who responded rated their likelihood of recommending First American to a colleague or industry peer a 10 out of 10 and awarded their First American team perfect scores for knowledge, professionalism, responsiveness, and reliability.

“This is my second loan with Mike and his team; they are excellent to work with, and I will always refer my aviation colleagues to him for their financing needs.”

– Private Equity Executive, Repeat Aircraft Client

An Exceptional Client Experience
An Exceptional Client Experience
An Exceptional Client Experience

Informed Guidance Backed by Industry Experience

As active participants in leading industry organizations—including Corporate Jet Investor (CJI), the National Aircraft Finance Association (NAFA), the National Business Aviation Association (NBAA), and the International Aircraft Dealers Association (IADA)—the Aircraft Financing team at First American stays closely connected to market developments and frontline operators, allowing us to deliver informed guidance and tailored financing to private aircraft buyers.