Embraer Phenom · Light Jet · Turbine from 6.34%

Embraer Phenom
Financing.

The Phenom 300 has been the best-selling light jet in the world for years running — the widest cabin in class, the strongest residuals, and a charter favorite. Financing the Phenom is a conversation about the best-liquidity asset in the segment.

6.34%
Turbine rate
15%
Min down
700+
Phenom 300 family delivered
#1
Best-selling light jet
Single-pilot
100EV · 300E

The best-selling light jet in the world

Liquidity you can borrow against

The Phenom 300 has topped light-jet deliveries for years, with more than 700 of the 300 family flying worldwide. For a buyer, that market leadership is more than bragging rights — it's collateral strength. The Phenom 300E has demonstrated better value retention than most direct competitors, and strong secondary-market liquidity means a lender can value the asset with confidence and you can buy knowing the aircraft won't depreciate disproportionately.

It's also a charter workhorse. NetJets and fractional operators built fleets on the Phenom 300, and its combination of the widest cabin in class, single-pilot certification, and strong short-field performance makes it a natural on Part 135 certificates — relevant if you plan to offset ownership cost through charter.

The entry Phenom 100EV/EX sits a tier below as a very light jet — a genuine owner-flown step into jets. Both finance at the turbine rate; the difference is mission and market depth.

The lineup

Phenom 100 or 300?

The entry very light jet and the category-leading light jet. Both single-pilot, both turbine-rate, very different missions.

Very light jet · single-pilot
Phenom 100EV / 100EX
~$4.5–5.5M new · owner-flown entry jet
Ratefrom 6.34%
Engines2× P&W PW617F1-E
Cruise~406 KTAS
Range~1,178 nm
Est. payment~$30,036/mo
Light jet · single-pilot · best-seller
Phenom 300E
~$10.5M new · class leader
Ratefrom 6.34%
Engines2× P&W PW535E1
Cruise~464 KTAS
Range~2,010 nm
Est. payment~$65,704/mo
Pre-owned · strong residuals
Pre-Owned Phenom 300/300E
~$6M–$10M by year & program
Ratefrom 6.34%
WatchEngine program · age formula
Edgebest-in-class value retention
Down15–20%
Liquiditydeepest demand in light jets
The numbers that matter

The high-touch numbers

The Phenom's case is built on cabin, efficiency, and residuals. Here's the data that actually drives the ownership and financing decision.

Estimated financing — new Phenoms
6.34% turbine · 20yr · 15% down
AircraftMarket priceDown (15%)LoanEst. monthly
Phenom 100EV$4,800,000$720,000$4,080,000$30,036
Phenom 300E$10,500,000$1,575,000$8,925,000$65,704
Illustrative — not a loan offer. Rates update with the live board.
Phenom 300E vs the field it's cross-shopped against
class reference data
MetricPhenom 300ECross-shop note
Cabin width~5.1 ftwidest in the light-jet class
Cruise~464 KTASfastest of the CJ4/300E pair
Fuel burn~158 GPH~16% less than a CJ4
Available payload (max fuel)~942 lbCJ4 carries more; 300E carries farther on cabin
Value retentionBest in classstrongest residual of direct competitors
Reference figures for planning, drawn from published class comparisons. Confirm for a specific serial number. See the AvBuyer comparisons below.
The underwriting conversation

What lenders look at on a Phenom

  • Engine and airframe program enrollment (P&W ESP and Embraer Executive Care/EEC) is expected on a financed Phenom — it converts an open maintenance liability into a known hourly cost and widens the lender pool.
  • Residual strength works in your favor. Because the Phenom 300 holds value better than most competitors, lenders are comfortable with the collateral and LTV tends to be favorable on clean, program-enrolled examples.
  • Age-plus-term formula applies to older 300s as it does across jets; the available term depends on which lender's cap fits the airframe year.
  • Charter offset changes the structure — hour caps, tighter LTV, and the D085 ops-spec requirement. The Phenom's fractional/charter pedigree makes it a natural for placement, but disclose and structure upfront. See the Part 91 with charter offset guide.

The charter reality no one explains

To earn charter revenue, your Phenom must be on the operator's D085 Operations Specifications — the FAA master tail-number list. The financing and the certificate placement happen together; we structure both.

What you'll need

Documentation, before you apply

A ready package closes a Phenom in about two business days from pre-approval.

  • Serial number & specs — year, variant (300 vs 300E), total time, engine times
  • Engine program status — P&W ESP enrollment and standing
  • Logbook summary — damage history, inspections, avionics (Prodigy Touch / G3000)
  • Intended use — Part 91 or charter offset
  • Ownership entity — personal, LLC, or trust
  • Borrower financials — business-use documentation strengthens the file
Questions we answer every week

Phenom financing questions

What rate does a Phenom get?+
The Phenom 100 and 300 finance at the turbine rate — from 6.34% through FLYING Finance. The Phenom 300's best-in-class value retention makes lenders comfortable with the collateral, which tends to support favorable LTV on clean, program-enrolled examples. See the live rate board.
Why is the Phenom 300 considered a safer collateral bet?+
Because it's the best-selling light jet in the world with the strongest residual values in its class. Deep secondary-market liquidity means a lender can value it confidently and a buyer is less exposed to disproportionate depreciation. That collateral strength is a real financing advantage, not just marketing.
Phenom 300E or Citation CJ4 — does financing differ?+
Both finance at the turbine rate on similar terms; the difference is the asset. The 300E offers the wider cabin, higher speed, and better fuel burn; the CJ4 carries more payload and slightly more range. Both hold value well. The AvBuyer comparisons linked above break down the trade-offs in detail. Financing follows whichever airframe you choose.
Can I charter my Phenom to offset costs?+
Yes — the Phenom's fractional and charter pedigree makes it a natural for placement on a 135 certificate. Charter introduces hour caps and tighter LTV, and the aircraft must be on the operator's D085 ops-spec list to earn revenue. Structure it upfront; see the Part 91 with charter offset guide.

You've found the Phenom. Bring us the tail number.

Stop treating financing like a commodity you plug in at the end. Give us the tail number and we'll build the deal around the actual aircraft — program status, year, use, and all. Soft pull, pre-approval in about two business days.

Talk Phenoms with AmeliaRates, payments, residuals, or how charter changes the deal.
I know the Phenom line — the 100EV entry jet and the class-leading 300E, P&W programs, and why the residuals matter to your loan. What can I help with?
300E rate?300E payment?300E vs CJ4?Charter offset?