TCR jets and helicopter capital

Financing for Aircraft & Marine

From Quote to Close – A Seamless Experience

Whether it’s aircraft, yachts, or boats, Terrell Capital Referral ensures a smooth financing journey. With the right capital partner just an introduction away, you get fast, reliable access to the funds you need.

TCR Aircraft & Marine Financing

From Quote to Close – A Seamless Experience

Whether it’s aircraft, yachts, or boats, TCR ensures a smooth financing journey. With the right capital partner just an introduction away, you get fast, reliable access to the funds you need.

At Terrell Capital Referral, we make the financing process simple, efficient, and tailored to your unique requirements. Here’s what you can expect:

Personalized consultation to identify optimal financing solutions.
Access to a network of trusted investors and lenders.
Streamlined approval process to get you from application to funding quickly.
Flexible terms designed to suit your operational and financial needs.

Experience financing made easy with TCR – your trusted partner for aircraft locators and or Funding arrangements.

TCR main target are business owners who purchase private jets are typically ultra-high-net-worth individuals with a net worth of $190 million on average. While full ownership is common, some opt for fractional ownership programs, which involve sharing the aircraft with others to reduce costs and responsibilities.

Key Characteristics of Private Jet Owners

Demographics: The typical private jet owner is male, over 50 years old, and predominantly self-made. Industries such as banking, finance, real estate, and technology are well-represented among jet owners.
Age Trends: There has been a notable shift toward younger buyers. The share of private jet buyers under 45 has nearly doubled in the last decade, reaching a record 29% in 2024.
Motivations: While status and luxury are factors, many business owners invest in private jets for practical reasons, such as saving time, enhancing productivity, and accessing remote locations not served by commercial airlines.
Ownership Models: Full ownership is common, but fractional ownership programs are also popular. These programs allow multiple owners to share the costs and responsibilities of aircraft ownership.

Market Insights

Market Size: Business jet sales reached over $34.1 billion in 2023, with projections indicating continued growth.
Global Distribution: The United States leads the world in private jet ownership, with approximately 15,000 private jets, representing about two-thirds of the global fleet.

Covers Initial Administrative Costs

Lenders and lessors must review financial statements, credit history, and operational data.
Fees pay for background checks, title searches, and legal documentation preparation.
Aviation financing involves complex due diligence, especially for high-value aircraft.

Demonstrates Serious Intent

A non-refundable fee ensures that applicants are genuinely committed.
Reduces wasted time for lenders/lessors by filtering out casual inquiries.

Supports Investor/Capital Network

Some application fees are partially used to secure investor introductions or preliminary approvals.
In structured programs like TCR, the fee may guarantee access to vetted investors willing to fund the aircraft or marine asset.

Part of Risk Management

Aircraft financing is high-value and specialized; upfront fees offset the risk of initial effort and administrative exposure if the application does not proceed.

Typical Amount

Fees vary, but high-value aircraft deals often range $5,000–$10,000 for application and processing.
In TCR’s case, $7,500 guarantees investor approval access—a premium for efficiency and certainty.

At Terrell Capital Referral, we make the financing process simple, efficient, and tailored to your unique requirements. Here’s what you can expect:

Personalized consultation to identify optimal financing solutions.
Access to a network of trusted investors and lenders.
Streamlined approval process to get you from application to funding quickly.
Flexible terms designed to suit your operational and financial needs.

Experience financing made easy with TCR – your trusted partner for aircraft, marine, and luxury asset funding.

At Terrell Capital Referral, we make the financing process for aircraft, yachts, and boats simple, efficient, and tailored to your needs. Here’s what you can expect:

1. Request a Quote

Your journey begins by reaching out to us for a financing quote. This first step helps us understand your goals and secure the right funding solution for your aircraft or yacht purchase.

2. Screening With TCR Lenders

Once we collect your preliminary information, we carefully evaluate which lending partner best fits your requirements.

3. Underwriting

After selecting a lender, we move into formal underwriting. This involves a thorough review of your financials, assets, and aircraft/yacht details to prepare for approval.

4. Approval

Upon approval, we guide you through funding and closing—ensuring every step is handled smoothly.

1. Aircraft Leases

Structure: Operator pays monthly to use the aircraft; ownership stays with the lessor.
Types: Operating lease (short-term, off-balance-sheet) vs. finance/capital lease (long-term, may transfer ownership at end).
Pros:
- Lower upfront costs.
- Flexibility to upgrade or change aircraft.
- Off-balance-sheet (for operating leases) preserves capital.
Cons:
- Total cost over time may be higher than purchase.
- Limited control over modifications.
- Long-term leases may include penalties for early termination.

2. Aircraft Loans

Structure: Borrower takes a loan to purchase the aircraft; owns it outright.
Pros:
- Full control and customization.
- Potential asset appreciation.
- Loan interest may be tax-deductible.
Cons:
- High upfront down payment (typically 10–20% of aircraft value).
- Depreciation and maintenance costs borne by owner.
- Risk exposure if aircraft value drops or usage changes.

Quick Comparison

Feature	Lease	Loan
Ownership	Lessor	Borrower
Upfront Cost	Low	High
Flexibility	High (short-term leases)	Low (asset tied to loan)
Balance Sheet	Off-balance-sheet possible	On-balance-sheet
Long-Term Cost	Potentially higher	Often lower if kept long-term

Bottom line:

Lease: Ideal for short-term needs, cash conservation, or fleet flexibility.
Loan: Best for long-term ownership, asset control, and potential financial benefits from depreciation or resale.

What You’ll Need

Preliminary Information

Borrower’s name & entity (aircraft-holding entity if applicable)
Address & guarantors
Aircraft purchase price & requested loan amount
Aircraft domicile
Type of operation (Part 91 or Part 135)
Estimated annual flight hours
Aircraft specification sheet
Maintenance reports (CAMP/CMP)
Details on whether the aircraft is pre-owned

tcr Underwriting Documentation

Current personal financial statement (within 6 months, signed and dated)
Last two years’ personal tax returns (including K-1s if applicable)
Bank/brokerage statements verifying liquid assets
JetLoan Capital Client Information Form (completed & signed)
Copy of pilot’s license (if applicable)
Copy of driver’s license or passport
W-2s or pay stubs (last 2 years, if requested)

For corporate financing, additional aircraft usage information may be required.

Typical Down Payment

A down payment of 10%–25% is standard. The amount will affect your interest rate, payment structure, and amortization schedule.

tcr Closing Process

The closing phase requires several key documents. While each transaction is unique, we typically coordinate and assist with:

Loan & Aircraft Security Agreement
FAA Registration Application
Bill of Sale (BOS)
Bank loan documents
Accident & Incident (A&I) report (if required)
Certificate of Insurance with endorsements
FAA lien & international registry searches
Aircraft lease agreement (if applicable)
Engine program confirmation
Settlement agreement
Authorization to close

Start your Voyage TCR Trusted Industry Partners

As our clients, we know how valuable your time is to you, so it’s important to us. We know that you want to start to your boating fun sooner, and to make that happen, our partners we offer a personalized and streamlined process. Our specialized team of marine finance professionals are ready to answer your questions and assist by email or phone.

In addition to providing competitive products and rates, we will take care of everything for you! From working with your dealer to assisting you with all the documentation requirements, we have the expertise to ensure smooth sailing through the entire process from application to closing.

Helicopter Sales & Acquisition

Global Reach. Trusted Expertise. Proven Results.

At Terrell Capital Aviation, we specialize in the sale, acquisition, and leasing of new and pre-owned helicopters across domestic and international markets. Our dedicated aviation division serves private clients, corporations, charter operators, and government agencies with tailored aircraft solutions that meet the highest standards of performance, safety, and regulatory compliance.

Comprehensive Helicopter Solutions

Aircraft Sales

We represent both buyers and sellers in the purchase and sale of helicopters from leading manufacturers including Airbus, Bell, Leonardo, Sikorsky, and Robinson. Our team manages every stage of the transaction — from market analysis and valuation to negotiation and delivery logistics — ensuring a seamless and transparent process.

Aircraft Acquisition

Through our global network, we source high-quality new and pre-owned aircraft that meet your operational and financial objectives. Our experts handle due diligence, inspection coordination, and registration, delivering a turnkey acquisition experience.

Leasing & Financing

We offer flexible leasing and financing programs in partnership with domestic and international lenders. From short-term operating leases to long-term asset-backed financing, our solutions are designed to optimize capital efficiency while maintaining fleet readiness.

Fleet Upgrades & Trade-Ins

For clients expanding or modernizing their fleet, we facilitate trade-ins, fleet remarketing, and resale of existing aircraft — maximizing asset value through our established network of buyers and operators.

Maintenance & Compliance Support

We coordinate with certified MRO facilities and regulatory bodies (FAA/EASA) to ensure each helicopter meets all airworthiness, safety, and documentation requirements prior to delivery.

Global Logistics

Our logistics team manages worldwide transport via air, sea, or ground, including customs handling, crating, and insurance coverage. Every delivery is executed with precision and confidentiality.

Client Segments

Private & Corporate Owners
Charter & Tour Operators
Emergency Medical Services (EMS)
Law Enforcement & Government Agencies
Offshore & Utility Operators

Why Partner With Us

Global buyer and lender network
Proven track record in high-value aviation transactions
Expertise in complex, cross-border operations
Discreet, relationship-driven advisory approach

Alternative Yacht Loan Financing

Yacht Financing Solutions

Owning a yacht is more than a purchase—it’s a lifestyle investment. Whether you’re acquiring your first luxury vessel or upgrading to a larger yacht, our financing partners provide flexible solutions tailored to your goals.

Why Choose Specialized Yacht Financing?

Industry Expertise: Work with lenders who understand the unique requirements of yacht ownership, registration, and insurance.
Flexible Structures: Options include fixed or variable rates, extended loan terms, refinancing, and custom payment schedules.
Global Reach: Financing available for U.S. and international yacht purchases, including foreign-flagged vessels.
High-Value Lending: Loan programs ranging from mid-size yachts to superyachts exceeding $10 million.

Financing Options

Traditional Marine Loans
Competitive rates and terms for new and pre-owned yachts.
Custom Structured Loans
Designed for high-net-worth individuals with complex financial profiles.
Refinancing & Equity Extraction
Unlock liquidity from your current yacht to fund upgrades or other investments.
Charter-Friendly Financing
Select programs allow limited charter use, enabling income generation while retaining ownership.

Partner Lenders

We work with top yacht financing specialists, including:

SuperYacht Lending – Bespoke solutions for luxury yacht acquisitions.
Shore Premier Finance – Nationwide programs for sailboats, powerboats, and yachts.
Grasshopper Bank – Yacht lending up to $10M, including foreign-registered vessels.
Trident Funding – One of the largest marine finance firms in the U.S.
City National Bank of Florida – Private banking and customized yacht lending.

The Process

Consultation – Discuss your vessel type, purchase price, and goals.
Pre-Approval – Secure financing options before making an offer.
Loan Structuring – Choose the terms that best fit your financial strategy.
Closing & Ownership – We coordinate with brokers, insurers, and documentation specialists for a smooth closing.

Ready to set sail?
Contact us today to explore the best financing options for your next yacht purchase.

Luxury with a Legacy

Exceptional Yacht Lending Services

We offer more than financing. We provide access. With decades of maritime and lending expertise, our team specializes in lending solutions tailored to your lifestyle and financial goals. Whether you’re acquiring your first superyacht or refinancing an existing vessel, we ensure the process is discreet, seamless, and efficient so you can focus on the journey ahead.