The Role of a Pre-Buy Inspection in Securing Your Aircraft Loan

Buying a pre-owned aircraft is a complex transaction where the emotional excitement of "mission capability" must be balanced against the clinical reality of mechanical integrity. For the prospective owner, the aircraft pre-buy inspection is the ultimate safeguard against inheriting a "hangar queen." But for the lender, this inspection is something far more critical: it is the primary tool for collateral valuation and risk mitigation. In the high-stakes world of aviation finance, a loan approval isn't just based on your credit score; it is based on the airworthiness and marketability of the asset itself. As we move through 2026, lenders have become increasingly granular in their requirements, often demanding specific checks that go far beyond a standard annual inspection.

More Than Kicking the Tires: What Lenders DEMAND From Your Pre-Buy Inspection

To a buyer, a pre-buy is about safety and avoiding unexpected bills. To a lender, a pre-buy is about "Liquidation Value." This is why a lender required aircraft inspection is often more stringent than what a casual buyer might perform. Lenders in 2026 are no longer satisfied with a simple "logbook review and run-up." They require a deep dive into the asset's history and current state.

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FAQ: Pre-Buy Inspections & Financing

1. Who pays for the aircraft pre-buy inspection?

The buyer almost always pays for the pre-buy inspection. However, it is common to negotiate that if "airworthiness" issues are found (items that make the plane illegal to fly), the seller must either fix them or credit the buyer for the repair cost.

Conclusion: The Final Inspection Before Takeoff

At jakenaviation.com, we understand that the financing process doesn't happen in a vacuum. We work closely with inspectors, appraisers, and escrow agents to ensure that your pre-buy findings are integrated smoothly into your loan approval.

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