Built for speed and simplicity. For well-qualified buyers with strong credit profiles seeking financing under $150,000, we offer a highly streamlined approval process.
Perfect for piston aircraft acquisitions or smaller capital needs, this path allows you to skip the heavy paperwork—no tax returns required—and secure your hull rapidly.
Designed for maximum capital efficiency on acquisitions exceeding $150,000. By providing a complete financial package—including tax returns and personal financial statements—we secure the lowest possible interest rates and maximum term lengths available in the market. This is the optimal path for high-net-worth individuals, corporate entities, and turbine acquisitions.
Paying cash but want to recoup most it after the purchase? We can do that.
Have a rate that is above market and want to lower your payment or accelerate your payoff? We do that too.
Pilots looking to modernize to a glass cockpit is one of the most common requests we see for upgrades.
Time for an overhaul? We can use the lendable equity to help pay some of the cost.
We are here for every stage of your journey and have solutions for purchasing, refinancing and upgrading your aircraft. Start a conversation. Apply today!
Refinancing makes sense when benchmark interest rates have fallen materially since your original loan, when your credit profile has improved, or when you want to change your loan term. Reducing your rate by 0.5 to 1 percent on a $300,000 loan over a 20-year term is a meaningful payment reduction. Shortening your remaining term can also reduce total interest paid. FLYING Finance can model both scenarios against your current note.
Yes. Cash-out refinancing allows you to refinance your existing aircraft loan and extract equity to fund upgrades — panel overhauls, Garmin installations, ADS-B, autopilot upgrades. The new loan is based on the aircraft's updated appraised value post-upgrade or on current market value. The upgrade itself may increase the aircraft's collateral value, which affects how much equity is available.
Aircraft refinancing follows the same timeline as a purchase loan — pre-approval takes 2 to 3 business days from a complete file, and closing runs 7 to 14 business days once the lender issues approval. The main variable is the appraisal on the aircraft and whether a current condition inspection is required. Refinancing an aircraft currently insured and maintained typically moves faster than a new purchase transaction.
Refinancing documentation is similar to a purchase loan — two to three years of personal tax returns, recent pay stubs or business financials, bank statements, and a personal financial statement or net worth summary. You will also need current aircraft registration, insurance documentation, and the existing loan payoff statement. If the lender requires a current condition inspection, allow 1 to 2 weeks for scheduling.