Helicopter Finance

Helicopter Finance for Commercial Aviation Businesses

Helicopters are specialised, high-value assets that require lenders experienced in aviation and commercial equipment finance.

At My Finance Consultants, we help businesses compare helicopter finance across suitable bank and non-bank lenders.

We assist operators purchasing new and used helicopters for eligible commercial purposes, with finance structured around the aircraft, business cash flow and operating requirements.

What Helicopters Can Be Financed?

Finance may be available for helicopters used across a range of commercial aviation activities.

This can include charter operations, tourism, aerial work, agricultural services, surveying and other approved business uses.

Both new and used aircraft may be considered.

The helicopter's age, model, maintenance history, hours, condition and intended use can influence lender appetite.

The lender may also consider the aircraft's location, registration and expected resale market.

Helicopter Finance Options

Secured Aircraft Finance

Helicopter finance is generally secured against the aircraft being purchased.

The lender provides funds towards the purchase while taking an appropriate security interest over the helicopter.

Repayments are made over an agreed term.

Additional guarantees or security may also be required depending on the transaction.

Balloon Payments

Selected lenders may allow a balloon payment to remain at the end of the finance term.

This can reduce regular repayments and help preserve business cash flow.

A larger balloon also leaves a larger final balance to repay or refinance.

We compare the repayment structure against the aircraft's expected value and your ownership plans.

Commercial Lending Structures

Larger aviation transactions may require a more tailored commercial lending structure.

The appropriate arrangement depends on the aircraft, borrower, intended use and available security.

We compare the total finance cost, repayment structure and lender requirements before recommending an option.

New & Used Helicopter Finance

Both new and used helicopters may be financed where lender requirements are satisfied.

Used aircraft generally require more detailed assessment than standard vehicles or equipment.

The lender may request information about airframe hours, engine hours, maintenance records and major component life.

An independent aircraft valuation may also be required.

Older or highly specialised helicopters can have fewer lender options or require a larger borrower contribution.

We review the aircraft details before approaching lenders.

Commercial Aviation & Business Assessment

The lender will assess both your business and the helicopter being financed.

This can include your trading history, existing debts, cash flow and ability to meet the proposed repayments.

Your aviation experience and intended operation may also be important.

For businesses relying on charter, tourism or contract income, lenders may request evidence supporting expected revenue.

Larger transactions commonly require financial statements, tax returns and additional supporting information.

New aviation businesses may have fewer options and can require a stronger equity contribution or additional security.

Aircraft Valuation & Documentation

Helicopter finance generally requires more specialised documentation than standard equipment lending.

The lender may request aircraft specifications, registration information, maintenance records and details of the proposed purchase.

An independent valuation or inspection may also be required.

Where the aircraft is being purchased internationally, additional import, registration and settlement requirements can apply.

We identify the lender's requirements early to help minimise unnecessary delays.

Related Specialist Equipment Finance

For other high-value commercial assets, explore our Machinery Finance options.

Businesses operating within mining and resources can also visit Mining Equipment Finance.

For our complete range of commercial asset-finance solutions, visit Business Equipment Financing.

Our Helicopter Finance Process

Review Your Aircraft Purchase

We discuss the helicopter, seller, purchase price and intended commercial use.

We also review your preferred finance term, available contribution and repayment requirements.

Compare Suitable Lenders

We identify lenders with appetite for aviation and specialist equipment finance.

We compare rates, fees, loan terms, security requirements and documentation.

Application & Valuation

We prepare the finance application and coordinate the financial and aircraft documents required by the lender.

Where required, we also coordinate the lender's valuation or inspection process.

Approval & Settlement

Once approved, we coordinate the finance requirements with the lender and relevant parties.

Specialist aviation transactions can involve additional legal, registration or settlement requirements depending on the aircraft and purchase structure.

Frequently Asked Questions

Can I Finance a Used Helicopter?

Yes. Selected lenders finance used helicopters, although aircraft age, hours, condition and maintenance history can affect the available terms.

Do I Need a Deposit?

Usually, some borrower contribution is required for specialist aviation finance.

The amount depends on the aircraft, lender, security position and overall application.

Will the Helicopter Need a Valuation?

Often, yes.

Specialist lenders may require an independent aircraft valuation before approving or settling the finance.

Can a New Aviation Business Obtain Helicopter Finance?

Yes, with selected lenders.

Your aviation experience, financial position, available contribution and proposed business model will influence the options available.

Can I Finance a Helicopter Purchased Overseas?

Yes, with selected lenders.

International purchases can involve additional requirements relating to valuation, registration, importation and settlement.

Can I Include a Balloon Payment?

Yes. Balloon payments may be available with selected lenders.

The acceptable amount depends on the aircraft, finance term and expected residual value.