BORROWER EDUCTION CENTER

The Borrower Education Center is designed to give aircraft buyers & owners clear, practical guidance before and during the financing process. Aircraft financing involves unique variables, and informed borrowers are better positioned to secure favorable terms and avoid delays.

How Aircraft Financing Works

Aircraft financing is most effective when approached early and strategically. Unlike traditional lending, aviation lenders evaluate both the borrower and the aircraft as part of a single risk profile. FTC works with clients well before a purchase agreement is finalized to establish realistic expectations and financing parameters.

A typical aircraft financing process includes:

  1. Initial Consultation – Discussion of ownership goals, mission profile, and financial overview.
  2. Pre-Qualification – Preliminary assessment of borrower strength and likely financing structures.
  3. Aircraft Selection & Valuation Review – Analysis of aircraft age, total time, maintenance status, engine programs, and market liquidity.
  4. Loan Structuring – Matching the transaction with lenders whose criteria best align with the borrower and aircraft.
  5. Underwriting & Documentation – Submission of financial and aircraft documentation for formal approval.
  6. Closing & Funding – Coordination with escrow, title, and insurance providers to complete the transaction.

FTC manages communication between all parties involved, helping keep transactions on schedule and reducing friction.

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Benefits of Pre-Approval

Obtaining pre-approval before selecting an aircraft provides several advantages:

  • Establishes a clear purchase budget
  • Strengthens negotiating position with sellers
  • Identifies potential lender limitations early
  • Reduces risk of delays once under contract

Pre-approval also allows financing terms to be structured around ownership objectives rather than rushed timelines.

Documentation & Information Required

While requirements vary by lender, most aircraft financing transactions require:

  • Personal or business financial statements
  • Recent tax returns
  • Purchase agreement or letter of intent
  • Aircraft specifications and maintenance records
  • Insurance binder and registration details

FTC helps borrowers prepare and organize documentation to streamline underwriting and avoid unnecessary requests.

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Strategic Financing Starts with a Conversation.

Whether you’re purchasing, refinancing, or exploring ownership options, First Texas Capital is here to help you structure the right solution. Let’s discuss your mission, your timeline, and the structure that makes the most sense.

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