US EXIM Bank Aircraft Finance for Foreign Buyers
Unlock highly attractive terms for US-manufactured aircraft acquisitions abroad.
For foreign entities contemplating the acquisition of US-manufactured aircraft, the US Export-Import Bank (EXIM) presents a compelling financing avenue. This federal agency’s mandate is to support American exports, facilitating sales through direct loans, loan guarantees, and export credit insurance, making it a critical tool for international buyers of private jets and commercial aircraft.
How it works
EXIM Bank primarily operates through loan guarantees, offering credit protection to commercial lenders. A foreign buyer, having secured a commitment from a commercial bank for aircraft financing, applies for an EXIM guarantee. Should the borrower default, EXIM steps in to cover the lender’s losses. This government backing substantially reduces risk for the commercial lender, enabling them to offer more favourable terms than typical market rates. The aircraft must be manufactured in the United States, such as models from Gulfstream, Textron Aviation, Boeing (including BBJ variants), and certain components within Airbus aircraft.
Typical terms in 2026
EXIM-backed financing offers some of the most competitive terms available, reflecting its governmental support. For 2026, foreign buyers can anticipate:
| Feature | Range |
| :------------- | :-------------------------- |
| LTV | Up to 85% |
| Tenor | Up to 12 years |
| Interest | SOFR + 150-250 bps |
| Fees | EXIM guarantee fee (0.5-1.5% p.a.), Lender margin |
The residual value assumption for typical business jets (e.g., Gulfstream G650ER) is often structured with a depreciation schedule aiming for 45-55% of original purchase price over a 10-year term. Eligibility hinges on the aircraft being a US export and the buyer meeting EXIM's credit standards.
Who it suits
This financing is ideally suited for established foreign airlines, corporate flight departments, or high-net-worth individuals requiring long-term, cost-effective capital for new or pre-owned US-origin aircraft. The programme is particularly advantageous for those acquiring significant assets like a new Gulfstream G700, a Boeing Business Jet (BBJ), or a Textron Citation Longitude. Emerging market operators, who might face higher borrowing costs elsewhere, find EXIM-backed loans particularly beneficial due to the reduced sovereign risk premium.
Pitfalls to avoid
Navigating EXIM’s requirements can be complex. Key considerations include the detailed due diligence process, adherence to strict documentation standards, and ensuring all US content thresholds are met. Buyers must also be mindful of potential political risk assessments and compliance with US foreign policy objectives. Delays can occur if documentation is incomplete or if the buyer’s jurisdiction presents heightened risk factors. Engagement with experienced advisory services early in the process is paramount.
How Mega Aviation helps
Mega Aviation specialises in connecting discerning clients with optimal financing solutions. We assist foreign buyers in structuring their applications for EXIM-backed aircraft financing, helping them prepare robust submissions that align with both EXIM and commercial lender requirements. Mega Aviation introduces clients to vetted lenders and lessors with extensive experience in EXIM-guaranteed transactions, without acting as a regulated financial adviser. Our expertise ensures a streamlined process, maximising the likelihood of successful approval and attractive terms.