Aircraft financing is not a commodity product. It is a specialized financial discipline shaped by asset condition, market liquidity, borrower profile, and long-term operational goals.

Securing capital is only part of the equation. Structuring that capital correctly is what creates flexibility and protects balance sheets.

Key Components of Aircraft Loan Structure

Important considerations include:

• Loan term and amortization schedule
• Balloon payments or residual assumptions
• Prepayment flexibility
• Collateral evaluation methodology
• Personal or corporate guarantees

An optimized structure aligns debt service with anticipated utilization and broader financial objectives. For many clients, preserving liquidity for core investments while financing the aircraft provides strategic leverage.

Understanding Aircraft as Collateral

Unlike many traditional assets, aircraft values are heavily influenced by maintenance condition, engine programs, avionics upgrades, and global support networks. Accurate valuation requires aviation-specific expertise.

Lenders experienced in aircraft transactions can evaluate collateral efficiently, streamline underwriting, and reduce closing delays.

Integrating Sales and Finance

One of the advantages of working with Texas Aero and First Texas Capital is the integration of aircraft sales insight with aviation lending expertise. Understanding current market dynamics and aircraft-specific valuation allows financing structures to complement acquisition strategy.

The philosophy mirrors principles I learned in competitive racing: preparation, discipline, and respect for the machine lead to consistent performance.

Why Texas Aero & First Texas Capital

Our combined experience in brokerage and aviation finance enables clients to approach transactions holistically—aligning aircraft selection, pricing, and capital structure in a coordinated plan.