How Does Aviation & Marine Finance Work?
Aviation and marine finance works similarly to other asset finance products. You spread the cost of the aircraft or vessel over an agreed period, typically making fixed monthly payments. The asset is usually used as security for the loan, which can help secure more competitive rates.
As a credit broker, not a lender, Balanced Funding Solutions searches across our panel of UK lenders to find the most competitive deal for your situation. We handle the paperwork and lender negotiations, so you can focus on finding the right vehicle.
“Aviation and marine finance is a niche area, but that does not mean it has to be complicated. The key is working with lenders who understand these assets. A light aircraft or a well-maintained yacht can hold its value exceptionally well, which works in the buyer’s favour when it comes to finance terms.”
Types of Aviation & Marine Finance
The right finance product depends on the type and value of the asset, how you plan to use it, and whether you want to own it outright or keep your options open.
Finance for single and multi-engine light aircraft, including both new purchases and pre-owned. Hire purchase is the most common structure, with the aircraft used as security.
Helicopter purchases are high-value transactions that require specialist lenders. We work with funders who understand rotary aircraft and can structure deals for private and commercial use.
Finance for sailing yachts, motor cruisers, and other marine vessels. Marine finance specialists on our panel can accommodate a wide range of vessel types and values.
Quick Comparison
A side-by-side look at how the main car finance types compare on the factors that matter most.
| Feature | HP | PCP | Leasing | Loan |
|---|---|---|---|---|
| Own the car? | Yes, at end of term | Optional (balloon payment) | No | Yes, immediately |
| Deposit required? | Usually (can be £0) | Usually | Initial rental | No |
| Monthly payments | Higher | Lower | Lowest | Varies |
| Mileage limits? | No | Yes | Yes | No |
| Can sell early? | With settlement figure | With settlement figure | No | Yes, freely |
| Best for | Keeping your car long-term | Changing cars every 2–4 years | Lowest monthly cost | Outright ownership & flexibility |
Hire Purchase (HP)
PCP
Leasing (PCH)
Personal Loan
Who Can Apply?
Car finance is available to a wide range of applicants. While each lender has its own criteria, the general requirements are:
- Aged 18 or over
- UK resident with at least three years of address history
- Holding a valid UK driving licence (for vehicle finance)
- Regular income — employed, self-employed, or retired
- Not currently bankrupt or in an active IVA (some specialist lenders may consider)
If you have been declined elsewhere or have a less-than-perfect credit history, it is still worth speaking to us. Our panel includes lenders who specialise in non-standard credit applications.
“We are always upfront about what is and is not possible. If we cannot find a deal that works in a customer’s favour, we will tell them. We would rather someone came back to us in six months with a stronger position than take on finance that stretches them too thin.”
How It Works
Applying for car finance through Balanced Funding Solutions is straightforward. Here is what to expect at each stage.
Get in Touch
Tell us how much you need and what the finance is for. Online form, phone, or email.
We Search
We compare options across our lender panel for your budget and credit profile.
Your Options
Full transparency on rates, terms, and fees — no obligation to proceed.
Completion
We handle the paperwork. Funds typically released within 24–48 hours.
Aviation & Marine Finance Calculator
Get an estimate of your monthly payments. Adjust the figures to match your budget.
For illustration purposes only. This calculator provides an estimate based on the figures you enter. Your actual rate will depend on your individual circumstances, credit profile, and the lender’s criteria. Balanced Funding Solutions is a credit broker, not a lender.
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Frequently Asked Questions
Get Your Aviation or Marine Finance Quote Today
No obligation, no impact on your credit score. Tell us what you need and we will do the rest.