Agricultural aircraft are vital tools for modern farming, but their high cost necessitates a specialized financing approach. Whether you're an owner-operator or a larger business, securing a loan for an Air Tractor, Thrush, or other ag aircraft is treated as commercial equipment financing.
Lender Focus: Business Viability
When financing an ag aircraft, the lender's primary focus is on the health and history of your business operations. They will require:
- Detailed Business Financials: Multiple years of tax returns and financial statements to demonstrate consistent revenue and profitability.
- Contracts and Revenue Projections: Evidence of existing contracts with farms and realistic projections for future work.
- Operator Experience: The experience and qualifications of the pilots who will be operating the aircraft are a key part of the risk assessment.
- Down Payment: Down payments for ag aircraft are often higher than for personal aircraft, typically in the 20-25% range.
Financing for the Modern Farmer
We work with lenders who understand the seasonal nature and unique demands of agricultural aviation. Let us help you secure the equipment you need to grow your business.
Get an Ag Aircraft Loan Quote