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Can SBA Finance Aircraft?
In some cases, yes—primarily when the aircraft is essential to a qualifying business. Programs and lender overlays vary; timelines can be longer than conventional loans.
504 vs 7(a)
- 504: Fixed assets with CDC participation; longer fixed terms possible.
- 7(a): General purpose; more flexible but often variable‑rate and with fees.
Tradeoffs vs Conventional
- Potentially lower down or longer terms vs more documentation and timing.
- Collateral and personal guarantees often required.
Related: what lenders look for, fixed vs variable. External: SBA · FRED · NBAA.