When Labor Day hits, it feels like the aviation industry goes full throttle. From September through December—the “ber” months—transactions stack up and aircraft financing requests flood in.
The race to close before year-end can be chaotic. For aircraft owners, the difference between stress and success often comes down to preparation.
The good news? We’ve got a few proven ways to make financing smooth, predictable and ready for closing day.
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Here are four rules to keep you ahead of the rush:
Rule 1: Get Pre-approved Early
Underwriting consists of two things: the financials and the collateral. To us, there’s no harm in approving the loan amount so we can complete the financial analysis and discussion in advance of the pressures of closing.
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Rule 2: Start the Conversation Now
Even if you’d prefer to wait until you have an aircraft in mind, please don’t wait until the last minute to engage a lender. Starting the conversation early gives you an edge when the right opportunity comes.
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Rule 3: Keep Communication Flowing
A smooth approval process involves both lender and applicant. Be sure to provide a complete financial package and answer questions as they arise. Lenders want to help secure financing but need the support of the applicant to get the approval across the finish line.
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Rule 4: Ask Questions
Don’t let the faster tempo of year-end closings keep you from ensuring you are comfortable. Ultimately this is your purchase, so understand every detail before you sign.
The “ber” months will be here before you know it, and the pace in aviation will only get faster. Lenders, brokers and buyers will all be racing toward year-end. If you want to close before December 31, don’t wait for the rush. Start your financing process now so you can move through approvals with confidence and be ready when the perfect aircraft appears.
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Enjoy the rest of your summer, and we look forward to supporting a strong finish to 2025!
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