OWNERSHIP & ACCESS OPTIONS

Aircraft financing supports full ownership, but it is not the only way to access private aviation. Depending on flight hours, mission profile, and budget, alternative access models may be appropriate. FTC helps clients understand these options and determine which structure best aligns with their goals.

Full Aircraft Ownership
(Financed Purchase)

Financing enables individuals or businesses to own an aircraft outright while spreading capital cost over time.

Pros:

  • Full operational control and scheduling flexibility
  • Ability to customize and equip the aircraft
  • Long-term equity and resale value
  • Predictable access regardless of utilization

Cons:

  • Higher upfront and ongoing costs
  • Responsibility for maintenance, crew, and management
  • Exposure to market value fluctuations

Best suited for owners with consistent usage and specific mission requirements.

Fractional Ownership

Fractional ownership allows buyers to purchase a share of an aircraft managed by a third-party provider, with access based on allocated flight hours.

Pros:

  • Lower capital investment than full ownership
  • Professional management and maintenance
  • Predictable annual costs

Cons:

  • Limited scheduling flexibility during peak periods
  • Less aircraft customization
  • Long-term contracts and exit restrictions

Often appropriate for buyers seeking regular access without full ownership responsibilities.

Jet Cards

Jet cards provide prepaid flight hours on a specific aircraft category without ownership.

Pros:

  • No ownership or asset risk
  • Simple, predictable pricing
  • Short-term commitment

Cons:

  • Higher hourly cost
  • No equity or resale value
  • Availability may vary by provider and market conditions

Jet cards work well for buyers with lower annual flight hours or variable travel needs.

Leasing Options

Leasing provides aircraft access without full ownership, structured as operating or finance leases depending on objectives.

Pros:

  • Reduced upfront capital requirements
  • Potential tax advantages
  • Flexibility for shorter-term needs

Cons:

  • Limited control compared to ownership
  • No long-term equity in operating leases
  • Lease terms may restrict usage

Leasing can be effective for transitional needs or specific operational timelines.

FTC works with clients to compare ownership and access models holistically, ensuring financing decisions align with both near-term requirements and long-term aviation goals.

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.

START A CONVERSATION