Mountaintop Capital Partners LLC structures financing for corporate flight departments, charter operators, and private owners. We arrange loans, operating and capital leases, refinances, and sale-leasebacks, then manage underwriting to a clean, on-time close.

At a Glance

• Aircraft: business jets, turboprops, helicopters, fractional shares
• Facilities: acquisition loans, operating and capital leases, refinance and cash-out, upgrade and engine-overhaul funding, sale-leaseback
• Terms: fixed or variable rates, amortization up to 20 years, LTV sized to age, make, model, and usage
• Use of proceeds: purchases, retrofit and avionics, cabin and paint, engines and APUs, pre-buy and import costs, hangar improvements

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Solutions tailored to How You Fly

1. Acquisition and Refinance:

We size loans and leases to the airframe and mission profile, align payments to flight hours, and negotiate covenants that fit Part 91 or Part 135 usage. For equity release without selling the aircraft, we arrange cash-out refinance or a sale-leaseback with predictable monthly expense.

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2. Upgrades, Retrofits, and Engines:

From ADS-B and FANS to full cabin refresh, we fund upgrades and heavy maintenance with milestone draws. Engine and APU events can be financed against enrolled programs or approved reserves.

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3. Charter and fleet operators:

For operators adding lift or rotating airframes, we combine fleet facilities with maintenance reserves and collection accounts that match charter cash flow.

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4. Hangars and Facilities:

If you own your base, we can finance hangars, MRO bays, or office buildouts. Compare Commercial Real Estate Loans for owner-occupied properties.

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For working capital flexibility around seasonality, see Bank Lines of Credit.

Eligibility Snapshot

• FAA-registered or acceptable international registry, clean title, and airworthiness
• Make, model, year, total time, cycles, and maintenance program status (JSSI, MSP, or OEM)
• Documented income or charter contracts for repayment support
• Experienced ownership or operating team and compliant insurance coverage
• Final approval subject to appraisal, logs review, and standard credit underwriting

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What You Will Need

• Corporate documents, ownership chart, IDs for principals, KYC and AML
• Aircraft spec sheet, maintenance status, logbooks summary, and damage history disclosures
• Independent appraisal and pre-buy inspection scope at an OEM-authorized facility
• Purchase agreement or payoff statement for refinance; fractional share documents if applicable
• Insurance certificates meeting lender requirements and proof of hangar or base

Process

• Discovery and sizing to confirm mission, aircraft parameters, and structure
• Market and term sheets from banks, lessors, and private credit to create pricing power
• Diligence and approvals including appraisal, title, escrow, and pre-buy coordination
• Closing and funding with clear covenants, fee transparency, and timeline certainty

Why Mountaintop Capital Partners?

• Multi-lender aviation access for better rates, LTV, and documentation terms
• Wall Street trained team focused on certainty of execution and clean closings
• Single senior point of contact coordinating lender, escrow, counsel, and inspection center
• Encrypted client portal with 256-bit security and rigorous compliance