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What Lenders Emphasize
- Resale liquidity and fleet support (CJ/Phenom strong; Eclipse varies by support status).
- Usage and insurance (Part 91 vs 135), pilot qualifications, and training.
- Financial strength, liquidity, and underwriting pillars.
Terms & Structures
- LTV 65–85% depending on model, age, and support programs.
- Terms 7–15 years; balloons 10–30% are common.
- Fixed vs variable: compare in rate guide; model scenarios in the calculator.
Examples
Citation CJ3+: Wide demand, strong support. Balanced LTV and term options. Phenom 300: Premium market; pricing reflects strength. Eclipse: Scrutinize maintenance support and documentation; underwriting adjusts accordingly.
Charter (Part 135) Considerations
Commercial use raises documentation needs and may affect LTV/terms and insurance. Clarify revenue projections and training plans. See insurance requirements.
Related Articles
External references: FAA Registry · FRED · NBAA