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Private Aviation Advisory for Aircraft Owners, Startups, and Operators by L'VOYAGE

Aircraft Financing Advisory

L'VOYAGE structures and arranges financing for private jet acquisitions, connecting buyers, startups, and operators with lenders suited to business aviation. This is advisory, not lending: a licensed, in-house team sits alongside the buyer to structure the deal, not a single balance sheet offering one product.

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  • Founded in 2014, L'VOYAGE is a Hong Kong-based, government-licensed travel agency and private aviation consultancy.
  • Private Aviation Advisory (PATL) provides guidance on acquisition, sales, management, and financing for aircraft owners, startups, and established operators.
  • L'VOYAGE has access to over 4,000 aircraft worldwide, informing sourcing and valuation input during structuring.

How does private jet financing actually work?

Financing an aircraft means arranging a loan or credit structure against the asset, typically involving a lender assessment of the buyer's profile, the aircraft's value, and the intended use. L'VOYAGE's role is advisory and arrangement, connecting buyers to financing structures suited to business aviation rather than acting as the lender itself. This applies whether the buyer is a first-time purchaser, a corporation, or an established operator.

The process generally follows the same sequence regardless of buyer type:

  1. Buyer profile review. L'VOYAGE's in-house team reviews the buyer's situation: first-time purchase, corporate acquisition, startup flight department, or refinance.
  2. Aircraft and use case assessment. The intended aircraft type, mission profile, and usage pattern are evaluated against financing suitability.
  3. Structuring guidance. L'VOYAGE advises on the financing approach that fits the buyer's goals, drawing on decades of in-house aviation experience.
  4. Lender connection. The buyer is connected to financing sources suited to their profile and the transaction.
  5. Ongoing advisory. Support continues alongside acquisition, management, or operational needs as the relationship develops.

This structure applies consistently across corporate purchases, fractional-style arrangements, and first-time buyer transactions.

Should I finance or lease my next aircraft?

Whether to finance or lease depends on the buyer's capital position, growth plans, and how long they intend to operate the aircraft. L'VOYAGE provides independent advice on this decision as part of the advisory scope, without being tied to a single financing product. The right answer differs for a corporation, a startup flight department, and an established operator.

Dimension

Financing

Leasing

Upfront capital

Higher initial capital or down payment required

Lower upfront capital commitment

Ownership/equity outcome

Buyer builds equity in the aircraft over time

No equity accrual; aircraft is not owned at term end

Flexibility to upgrade aircraft

Less flexible; disposing of an owned asset takes time

More flexible; easier to transition to a different aircraft at lease end

Suited buyer profile

Established operators and corporations with long-term usage plans

Startups or flight departments wanting to preserve capital while usage patterns are still developing

This is a neutral framework based on buyer profile and goals. L'VOYAGE's advisory team applies it to the specifics of each transaction rather than defaulting to one structure.

Who is aircraft financing advisory for?

Aircraft financing advisory serves anyone structuring, arranging, or re-evaluating an aircraft loan, from a first-time buyer to an established operator refinancing a fleet asset. L'VOYAGE's Private Aviation Advisory arm supports the full range of these situations under one consultancy relationship.

  • First-time aircraft buyers and startup flight departments needing setup and structuring support, including guidance on financing alongside broader startup needs.
  • Corporations and established operators structuring a new purchase or refinancing an existing loan as fleet or business needs evolve.
  • Aircraft owners requiring ongoing financing advisory alongside management and operations, not a one-time transaction.
  • Aviation startups and in-house flight departments also drawing on L'VOYAGE's support for setup and IS-BAO certification alongside financing structuring.

What does L'VOYAGE do to structure a financing deal?

L'VOYAGE's Private Aviation Advisory (PATL) is the consultancy arm providing guidance on aircraft acquisition, sales, management, and financing. The primary focus is expert consultancy over brokerage, backed by an in-house team with decades of hands-on aviation industry experience, not simply placing a deal and stepping away.

  • Reviews the buyer's financial and operational profile before recommending a financing approach.
  • Draws on access to over 4,000 aircraft worldwide for sourcing and valuation input during structuring.
  • Advises on financing versus leasing, refinancing, and deal structure based on the buyer's specific goals.
  • Coordinates financing advisory alongside acquisition, management, and IS-BAO setup support, so the buyer works with one consultancy across the full lifecycle.
  • Connects buyers to lenders and financing structures suited to business aviation, rather than issuing loans directly.

Can I refinance an existing aircraft loan?

Yes. Refinancing an existing aircraft loan on better terms falls within L'VOYAGE's advisory scope. This is relevant for established operators and corporate owners re-evaluating financing terms as their fleet, usage, or business needs change over time.

An operator that financed an aircraft several years ago may find that its usage pattern, fleet composition, or market conditions have shifted enough to warrant a fresh look at terms. L'VOYAGE's advisory team reviews the existing loan structure alongside the owner's current position and connects the owner to financing suited to the updated profile.

Why work with L'VOYAGE on aircraft financing in Hong Kong and APAC

L'VOYAGE is a government-licensed travel agency and private aviation consultancy, licensed by the Hong Kong Travel Industry Authority, with offices across Hong Kong, Shenzhen, Kuala Lumpur, and the APAC region. The company was founded in 2014 by Diana Chou, the first woman to sell private jets in Asia, and is led by CEO Jolie Howard, who brings over 20 years in business aviation including her prior role as CEO of TAG Aviation Asia.

L'VOYAGE credentials at a glance:

- Licensed by the Hong Kong Travel Industry Authority since founding in 2014.

- First private jet broker in Asia to be a Wyvern Approved Broker.

- Member of IATA and The Air Charter Association.

- Named 'Best Charter Broker' by the Asian Business Aviation Association (AsBAA) in 2017.

This combination of licensing, named leadership, and industry membership gives buyers a consultancy accountable to a regulator and industry bodies, not just a single deal desk.

What happens after I request financing advisory support?

After a buyer requests financing advisory, L'VOYAGE assigns a single point of contact who reviews the buyer's profile before any lender conversation begins. This keeps the process consultative from the first enquiry rather than transactional.

  1. Enquiry received through a single point of contact at L'VOYAGE.
  2. Profile review by the in-house team: first-time buyer, corporate, startup flight department, or refinance case.
  3. Structuring recommendation based on the buyer's goals, aircraft type, and usage pattern.
  4. Lender connection to financing sources suited to the transaction.
  5. Ongoing support alongside L'VOYAGE's other consultancy services, including acquisition guidance, management, and IS-BAO setup support for startup flight departments.

L'VOYAGE's primary focus is expert consultancy over brokerage, backed by an in-house team with decades of hands-on aviation industry experience. This is the same principle that underpins the group's single-broker approach to charter pricing: a buyer working with one trusted advisory relationship gets structuring built around their actual position, not a generic product pushed by a single lender's sales desk.

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Frequently Asked Questions

How do I finance a private jet purchase?

Start with an advisory review of your buyer profile, intended aircraft, and usage pattern, then get connected to financing structures suited to business aviation. L'VOYAGE's Private Aviation Advisory arm handles this review and arrangement process for first-time buyers, corporations, and established operators alike, structuring the deal rather than issuing the loan itself.

Is private jet financing or leasing better for my business?

It depends on your capital position and how long you plan to operate the aircraft. Financing suits established operators and corporations building long-term equity in an asset. Leasing suits startups or flight departments wanting lower upfront capital and more flexibility to change aircraft. L'VOYAGE's advisory team applies this framework to your specific situation.

Can a first-time buyer or startup flight department get aircraft financing?

Yes. L'VOYAGE's Private Aviation Advisory supports first-time buyers and startup flight departments with structuring guidance, setup support, and IS-BAO certification assistance alongside financing arrangement. The in-house team reviews the buyer's profile first, then connects them to financing suited to a first-time transaction.

Who can help structure financing for a corporate or fractional aircraft purchase?

L'VOYAGE's Private Aviation Advisory (PATL) structures financing for corporate and fractional-style aircraft purchases, backed by an in-house team with decades of aviation industry experience. The consultancy reviews the buyer's profile and connects them to lenders and structures suited to business aviation, rather than offering a single fixed product.

Can I refinance an existing aircraft loan on better terms?

Yes. Refinancing an existing loan is within L'VOYAGE's advisory scope, particularly for established operators and corporate owners whose fleet or business needs have changed since the original financing was arranged. The advisory team reviews the current loan and connects the owner to financing suited to the updated position.

Does L'VOYAGE act as the lender, or as an advisor?

L'VOYAGE acts as an advisor, not a lender. Private Aviation Advisory (PATL) structures the financing deal and connects buyers to lenders suited to business aviation. L'VOYAGE does not issue loans itself; it provides consultancy-led structuring and arrangement, backed by an in-house team with decades of aviation industry experience.

What is aviation finance advisory and how is it different from a bank loan?

Aviation finance advisory is independent structuring and arrangement support that sits alongside the buyer through the transaction, rather than a single institution offering one product. A bank loan comes from one balance sheet with fixed terms. L'VOYAGE's advisory reviews the buyer's full profile and connects them to financing suited to their specific transaction and goals.

Does L'VOYAGE only work with clients in Hong Kong and APAC?

L'VOYAGE is based in Hong Kong with offices across Hong Kong, Shenzhen, Kuala Lumpur, and the APAC region, and is licensed by the Hong Kong Travel Industry Authority. The consultancy serves aircraft owners, startups, and operators globally, with particular depth of licensing and regulatory standing in the Hong Kong and APAC markets.

About L'VOYAGE

L'VOYAGE is a Hong Kong-based government-licensed travel agency and private aviation consultancy established in 2014, licensed by the Hong Kong Travel Industry Authority. The group serves high-net-worth individuals, corporations, aircraft owners, and aviation startups across the globe, with offices across Hong Kong, Shenzhen, Kuala Lumpur, and the APAC region. Its Private Aviation Advisory arm, Private Aviation Technology Ltd. (PATL), provides guidance on aircraft acquisition, sales, management, and financing for owners, startups, and established operators.

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No. 233 Hollywood Road,
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