I Was at Oshkosh Last Year. Here’s What I’d Tell You Before You Go.
June 30, 2026
I Was at Oshkosh Last Year. Here’s What I’d Tell You Before You Go. Last July I was standing at the edge of the Wittman
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The aircraft is the business case. Whether you're justifying a pressurized piston on time savings or a turboprop on total cost of ownership, FLYING Finance has financed the full range — from the Piper M350 to the PC-12 NGX.
Business aircraft financing is not a product category — it's a structuring decision. The aircraft itself might be a pressurized piston, a turboprop, or a light jet. What makes it a "business aircraft" transaction is the purpose, the ownership entity, and the tax strategy that surrounds it. FLYING Finance handles all three layers.
The OBBBA permanently restored 100% bonus depreciation in 2025. An aircraft acquired this year and placed in service before December 31 qualifies for a full first-year deduction. At a 37% rate, a $3M TBM produces $1.11M in year-one tax savings.
Business aircraft transactions involve decisions that personal-use financing doesn't: entity ownership (LLC, S-corp, operating company), FAA registration in the entity's name, Section 179 vs. bonus depreciation sequencing, mixed-use percentage requirements, and the interaction between the loan documents and the depreciation schedule. FLYING Finance works with aviation CPAs and can connect you with professionals who understand the full picture.
The financing mechanics are straightforward — rate, down payment, term. The structuring decisions that surround the transaction are where FLYING Finance's experience in business aviation transactions adds the most value. We've seen the documentation, the entity structures, and the lender conversations across the full range of business aircraft price points.
The right rate and lender depend on the aircraft category. Here's where the major business aircraft types sit.
Piper M350, Cessna TTx (400), Socata TBM series (older piston configs) — pressurized cabin, turbocharged engines, and business-class cruise speeds at certified piston rates. The M350 at $1.3M–$2.1M is the most actively financed business piston. Documentation depth matches the loan value — liquidity reserves, PFS, entity documentation all required. See Piper page.
TBM 940/960, Pilatus PC-12 NGX, Piper M500/M600, Daher TBM 700/850 — PT6 or Pratt power, FL280+ cruise, the most cost-efficient turbine platform in GA. Engine program enrollment (TBM Maintenance Program, PT6 on wing) is a strong collateral positive. The most common business aviation financing category FLYING Finance handles. See Turboprop & Jet page.
Beechcraft King Air C90/B200/350, Cessna Conquest, Piper Cheyenne — two PT6 engines, pressurized cabin, and the redundancy that serious business operations require. King Air transactions are the most common multi-engine turboprop financing we handle. Engine on-wing programs for both engines are important lender considerations. See Turboprop & Jet page.
Cessna Citation M2/CJ3+, Embraer Phenom 100/300, HondaJet HA-420, Cirrus SF50 Vision Jet — entry jet with fractional-jet economics and whole-aircraft ownership. Light jet financing requires specialized lenders and thorough documentation. Engine and airframe maintenance programs are essential collateral considerations at this price point. See Turboprop & Jet page.
| Aircraft | Market price | Down (15%) | Loan | Est. monthly |
|---|---|---|---|---|
| 2022 Piper M350 (pressurized piston)6.46% / 20yr | $1,300,000 | $195,000 | $1,105,000 | $8,213 |
| 2022 TBM 940 (single-engine turboprop)6.37% / 20yr | $3,000,000 | $450,000 | $2,550,000 | $18,817 |
| 2020 Pilatus PC-12 NGX6.37% / 20yr | $4,500,000 | $675,000 | $3,825,000 | $28,226 |
| 2019 King Air B200GT (multi-engine turboprop)6.37% / 20yr | $5,200,000 | $780,000 | $4,420,000 | $32,617 |
| 2020 Cessna Citation CJ3+6.00% / 20yr · light jet | $6,000,000 | $900,000 | $5,100,000 | $36,538 |
The entity that takes title is the entity on the loan documents and the entity that claims depreciation. Personal ownership, single-member LLC, multi-member LLC, S-corp, and C-corp each have different implications for financing, insurance, depreciation, and liability. Finalize your ownership structure before submitting a loan application — changing it post-application restarts the process. FLYING Finance can connect you with aviation CPAs who understand the entity decision.
The One Big Beautiful Budget Act permanently restored 100% bonus depreciation effective July 4, 2025. Aircraft placed in service in your fiscal year qualify for a full first-year deduction. By leveraging financing, a business can deploy a $450k down payment on a $3M TBM and potentially generate a $1.11M year-one tax shield (assuming a 37% rate). The leverage is the advantage.The aircraft must be placed in service — actively flown for its business purpose — before December 31. Consult your CPA before closing on the optimal structure and timing for your situation.
Business use percentage directly affects your depreciation deduction. 100% business use supports 100% bonus depreciation. Mixed personal/business use requires allocation. Maintaining a contemporaneous flight log documenting business purpose for each flight is the IRS standard. FLYING Finance does not provide tax advice — but we've seen many business aircraft transactions and know the documentation expectations.
Business aircraft transactions require three years of both personal and business tax returns, year-to-date P&L, business bank statements, entity documentation, personal financial statement, and personal guarantee in most cases. Larger transactions ($2M+) benefit from a pre-submission documentation call to ensure the file is complete before it goes to the lender. FLYING Finance will tell you exactly what's needed before you apply.
FLYING Finance is part of Firecrown Media — publisher of FLYING Magazine, AvBuyer, AVweb, and Kitplanes. These resources are independent editorial content, not sales materials.
Resources the FLYING Finance team references when evaluating market conditions and aircraft values in this category.
"Business aircraft transactions involve rate, entity structure, bonus depreciation, and documentation all at once. I know all of it. Ask me anything and I'll give you a straight answer."
Whether you are adding a single turboprop or upgrading your executive jet, we establish commercial credit facilities that allow for rapid acquisitions.
We structure debt to align with your tax mitigation strategies, fully leveraging depreciation and off balance sheet mechanics to preserve your operating capital.
We underwrite pro forma charter revenue, freight contracts, and management agreements to maximize your borrowing power for fleet expansions or refreshes.
Acquiring a corporate aircraft should not require renegotiating your commercial banking covenants or tying up your operating lines of credit. We provide specialized, standalone capital for aviation assets. This allows you to execute a one-off capital acquisition cleanly and efficiently, without disrupting your existing institutional banking relationships or cross-collateralizing your primary business.
We understand your aircraft is a time-machine built to accelerate your core business.
From single-member LLCs to established corporate fleets, we provide structures that isolate the asset’s risk profile from your primary operations while ensuring the financing meets requirements for maximum tax efficiency.
Your fleet is your balance sheet. We understand the specific wear, high-cycle utilization, and revenue metrics of Part 135 operations.
From single-pilot cargo runs to managed passenger charter fleets, we provide the capital necessary to keep your capacity ahead of your demand.
I Was at Oshkosh Last Year. Here’s What I’d Tell You Before You Go. Last July I was standing at the edge of the Wittman
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