We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
Aviation Finance
Financely helps aircraft operators, charter businesses, and leasing platforms secure written debt and leasing term sheets for real acquisitions and fleet growth. We start with underwriting, build a lender ready package, run targeted outreach, and manage the diligence and closing workflow through funding.
If you want the process first, read How It Works then submit your request.
Fleet acquisition, refinance, or growth capital where revenue is driven by charter activity, block hours, management contracts, or ACMI style arrangements.
Facilities built around lease cash flows, residual value discipline, and enforceable security and step in rights.
| Structure | What it funds | Typical lender focus |
|---|---|---|
| Senior secured aircraft term loan | Acquisition or refinance of a specific aircraft or a defined pool. | Appraisal support, maintenance status, title and registry, enforceable liens, insurance, and debt service capacity. |
| Warehouse or fleet line | Multiple acquisitions over time with eligibility criteria and borrowing base style controls. | Asset eligibility, concentration limits, reporting, cash waterfall, and disciplined advance rates. |
| Sale leaseback | Monetize an owned aircraft while retaining operational use. | Lease credit, operator profile, maintenance covenants, and end of lease conditions. |
| Bridge to permanent financing | Short term funding when timing or documentation is the constraint. | Clear takeout plan, collateral control, and a tight conditions precedent list. |
Simple rule: aircraft finance closes when the money story and the asset story match. If the thesis is cash flow but the file reads like an asset flip, lenders hesitate. If the thesis is asset value but maintenance and title are messy, lenders stall.
Below is a practical example for a charter or leasing company acquiring one aircraft through an SPV. Numbers are illustrative and will vary by aircraft type, age, maintenance, jurisdiction, and operator profile.
| Layer | Example amount | Notes |
|---|---|---|
| Senior secured term loan | 70% of purchase price | First lien on aircraft, assignment of leases and insurances, reserve accounts, reporting, and standard covenants. |
| Junior capital | 10% of purchase price | Second lien or subordinated tranche where needed to bridge leverage, often paired with tighter controls and pricing. |
| Sponsor equity | 20% of purchase price | Cash equity or proven equity equivalent accepted by the lender based on structure and risk. |
| Reserves and fees | Funded at closing | Maintenance reserves, debt service reserve where required, appraisal and technical costs, legal, registry, and closing fees. |
Financely acts as arranger and advisor. We do the underwriting and run the lender process. Where regulated execution is required, delivery is coordinated through appropriately licensed firms under their own approvals.
| Step | What happens | What you provide |
|---|---|---|
| 1. Fit screen and document checklist | Confirm asset, operator profile, use case, and feasible structure before lender outreach. | Aircraft details, target price, high level financials, ownership chart, and intended use. |
| 2. Underwriting and lender package | Build the memo, model inputs, sources and uses, collateral and security summary, and data room index. | Financial statements, utilization history, key contracts or lease terms, insurance overview. |
| 3. Lender outreach and term sheets | Targeted outreach to matched credit funds, specialty lenders, and aviation finance desks to obtain written terms. | Q and A responses, clarifications, and any updated asset docs. |
| 4. Diligence workstreams | Appraisal, technical review, legal diligence, KYC and AML, title and lien checks, insurance alignment. | Logbooks access, maintenance records, registry info, corporate KYC pack, UBO details. |
| 5. Documentation and closing | Credit agreement, security documents, assignments, reserve mechanics, and conditions precedent sign off. | Final corporate approvals, closing deliverables, and execution of definitive documents. |
| 6. Funding and post close reporting | Funds disbursed, liens perfected, accounts activated, and reporting cadence starts. | Ongoing reporting, covenant certificates, insurance renewals, and reserve reconciliation. |
Timing depends on file readiness, jurisdiction, aircraft records, and lender diligence scope. A clean file moves faster. A messy title chain, missing logbooks, or unclear revenue documentation slows everything.
| Week | Milestone | Critical path risk |
|---|---|---|
| Week 1 | Fit screen, document list, data room setup, underwriting kickoff. | Missing financials, unclear ownership, incomplete aircraft spec. |
| Week 2 | Lender outreach begins, initial indications, diligence scopes agreed. | Weak revenue support, inconsistent utilization story. |
| Week 3 | Term sheet negotiation, appraisal ordered, technical review scheduled. | Appraisal timing, technical access delays. |
| Week 4 | Credit approval path, legal drafting starts, title and lien checks. | Registry issues, lien releases, insurance wording gaps. |
| Week 5 to Week 6 | Conditions precedent satisfied, documents executed, funding and perfection. | Late surprises in maintenance records or corporate approvals. |
If you are acquiring an aircraft, refinancing a fleet, or structuring a sale leaseback, we can run the underwriting and lender process end to end. Start with Request A Quote or reach us via Contact Us. If you want guidance before you engage, book a paid consultation.
We scope the structure, build the lender package, run outreach, and manage diligence and closing through funding. All outcomes are subject to diligence, KYC and AML, sanctions screening, lender credit approvals, and definitive documentation.
Both. One aircraft deals can work when the cash flow and asset records are clean and the borrower profile is credible.
Sometimes, but lenders will stress utilization, margin stability, customer concentration, and operational controls. Strong reporting helps.
Typically a first lien on the aircraft plus assignments of leases, insurances, and certain cash flows, along with reserve account mechanics.
Aircraft spec and target price, last two years financials if available, ownership chart, intended use, and any key contracts or lease terms.
No. We run an underwriting and lender process to obtain written term sheets. Lenders decide under their own credit and compliance approvals.
We prefer direct access to principals and decision makers. If a broker is involved, we require transparency on the principal, economics, and source of funds.
This page is for general information only and does not constitute legal, tax, investment, or regulatory advice. Financely is not a bank, not a broker dealer, and not a direct lender. Financely does not custody client funds. All services are subject to diligence, compliance screening including KYC, AML, and sanctions, counterparty and lender approvals, and definitive documentation.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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