Aviation Finance

Whether you're an individual looking to purchase a light aircraft or a flight school seeking to upgrade and expand your training fleet, KeyFinance Aviation is here to help.

With extensive experience across all areas of general and business aviation, we provide flexible, bespoke financing options for a wide range of aircraft—from single-engine fixed-wing and rotorcraft to high-performance jets.

Our team is dedicated to understanding your unique needs, guiding you through every step of the process to ensure a seamless experience.

At KeyFinance Aviation, we’re here to support your journey—whatever you fly and wherever it takes you.

The Aircraft:

We offer flexible financing options for a wide variety of aircraft, including:

• New or Used: Whether you’re purchasing a brand-new vessel or a pre-owned one, we can tailor the financing to suit your needs.
• Fixed Wing or Rotary Wing
  • Fixed Wing
    • Light (General Aviation) Aircraft
    • Private Jets
    • Commercial Jets & Turboprops
  • Rotary Wing
    • Light (single rotor) Helicopters
    • Commercial Helicopters
  • Drones
    • For private or commercial use
• Business or Pleasure Use: Whether your aircraft is for personal enjoyment or used for commercial purposes, we offer financing solutions to match.
• Exclusions: TBD
• Registration Requirements: TBD

We understand that buying an aircraft is a significant decision, and we’re here to make the financing process as simple and stress-free as possible. If you have any questions about whether your aircraft qualifies, or if you need further clarification, our team is here to assist you every step of the way.

You:

We offer financing to a broad range of borrowers, including:

• Individuals or Limited Companies: Whether you are a private individual looking to finance your own aircraft or a limited company seeking to expand your fleet, we provide flexible solutions to suit both personal and business needs.
• UK-Based Borrowers: Our lending services are available to residents and businesses based in the UK, ensuring that we support local aircraft owners and operators.
• UK Income: To ensure financial stability, we require that borrowers have a UK-based income, whether from employment, business, or other sources.
• Homeownership Preferred: While homeownership is not a strict requirement, it is preferred, as it can help demonstrate financial reliability. If you are a homeowner, it can enhance your application, but we also consider other factors in assessing your eligibility.

At KMAF, we understand that every borrower is unique. If you feel you may not meet all the criteria, don’t worry – we’re happy to discuss your specific situation and explore the best options available.

Costs and Terms:

We offer flexible and competitive financing solutions to suit a wide range of aircraft buyers. Here’s an overview of our lending criteria:

• Loan Amounts: We can provide loans starting at £25,000.00.
• Deposit Requirement: A deposit of 20-30% is typically required, though the exact percentage may vary depending on factors such as the type of craft, its intended use, and its location. Our team will work with you to determine the appropriate deposit for your specific situation.
• Loan Term: We offer financing with terms of up to 7 years, giving you the flexibility to choose a repayment schedule that works best for you. Additionally, we can include the option of a balloon payment, allowing for a larger payment at the end of the loan term if that better suits your financial plans.

Our goal is to provide you with a financing solution that is as tailored and straightforward as possible. If you have any questions about the costs, terms, or how the financing can work for you, our team is ready to assist and guide you through every step of the process.

Mortgage:

To secure the loan, we will require a Legal Mortgage over the aircraft. This means that the aircraft will be used as collateral for the loan, ensuring both your and our interests are protected throughout the repayment term.

A Legal Mortgage gives us a registered claim over the aircraft, which provides peace of mind for both parties. In the unlikely event of non-payment, we have the legal right to recover the outstanding amount by selling the aircraft. This process ensures that the loan is secured, while also allowing you to continue enjoying your aircraft without concern.

If you have any questions about the mortgage or would like more details on how it works, our team is here to provide clarity and guidance to make the process as smooth as possible.

Registration:

For your loan to be approved, we require the aircraft to be registered via the UK Civil Aviation Authority’s form CA1.

Form CA1: Registration of the aircraft

Further Details TBD – Charterer by demise?

If you need more information or assistance with the process, our team is here to help at every stage.