Engine Overhaul Financing
An overhaul is the single largest maintenance event most aircraft will see, and unusually for a large bill, it is known years in advance. The problem is not that it is unexpected — it is that the cost arrives at once and then benefits the aircraft over the entire run that follows.
How we structure it.
Overhaul Finance
The event financed over the run it buys, so the cost is spread across the hours the engine will fly rather than landing in a single quarter.
Programme Enrolment
Where an aircraft is not on an hourly program, financing enrollment or the catch-up payment converts future events into a predictable per-hour cost.
Refinance With Overhaul
For an owner already carrying aircraft debt, restructuring to include the overhaul keeps the aircraft and its next run on one schedule.
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Scheduled overhauls and hot section inspections
Engine replacement and exchange programs
Propeller, gearbox, and accessory overhaul
Unscheduled removals and teardown findings
Enrolment or catch-up on an hourly maintenance program
Shop labor, freight, and loaner engine costs
What the desk reads.
Time remaining before the event, and the shop slot booked
The aircraft's value and any existing lien
Whether the engine is on an hourly program
Expected utilization across the coming run
Shop quote, scope, and how findings will be handled
The owner's hold period relative to the next event
Asked before the term sheet.
Why finance a maintenance event rather than pay for it?
Because of when the benefit arrives. An overhaul is paid once and consumed over the next several thousand hours, so paying cash charges one quarter for something the aircraft uses for years. Matching the payment to the run is simply putting the cost where the value is.
What happens if the teardown finds more than the quote covered?
It is common enough that it should be planned for rather than reacted to. Scope tends to grow once an engine is open, and agreeing in advance how findings will be handled is what keeps an owner from facing a second, unplanned decision with the aircraft already down and earning nothing.
Is enrolling on an hourly program worth financing?
For an aircraft that will be held and flown, it usually deserves serious consideration. Enrolment converts an unpredictable future event into a known hourly cost, which makes the aircraft easier to budget, easier to sell, and more straightforward to structure against later.
Related financing
The rest of the aviation desk's coverage — assets, components, and ownership programs.
Ground Support Equipment Financing
Finance GSE and hangar equipment for FBOs and flight departments — tugs, GPUs, de-icing, fuel trucks, and the tooling behind a working ramp.
Part 135 Operator Financing
Aircraft finance for charter and air taxi operators — fleet additions and refinance structured around utilization, certificate, and fleet fit.
Part 91 Aircraft Financing
Corporate and private aircraft finance under Part 91 — flight departments and owner-operators, structured around the business the aircraft serves.
Tell us about the aircraft. We’ll engineer the rest.
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