Illustrative Rate Table
| Loan Amount | 5-Year Term | 7-Year Term | 10-Year Term | Estimated Monthly (£1m, 7yr) |
|---|---|---|---|---|
| £500,000 | N/A | N/A | N/A | Min £500k |
| £1,000,000 | 7.2% | 7.0% | 6.8% | ~£16,000 |
| £2,000,000 | 6.8% | 6.5% | 6.2% | ~£30,700 |
| £5,000,000 | 6.5% | 6.2% | 6.0% | ~£75,400 |
| £10,000,000 | 6.0% | 5.9% | 5.9% | ~£148,600 |
All figures illustrative. Final rates subject to credit assessment, aircraft survey, age and registration. Rates as at October 2026.
Eligibility Criteria
- Minimum loan £500,000; larger transactions preferred
- G-registered aircraft; exceptions considered for very large tickets
- Established businesses with strong balance sheet and trading history
- Lloyds commercial banking relationship advantageous
- Aircraft managed by reputable operator or owner-operated with appropriate licences
- Personal guarantee from directors typically required for Ltd company borrowers
How to Apply via Doulton Bridging Finance
Doulton Bridging Finance acts as a whole-of-market aircraft finance broker. We package your case, present it to Lloyds and handle the process from initial enquiry to drawdown - at no cost to you (broker fee paid by the lender on completion).
- 1Submit your enquiry using the form below or call us directly
- 2We gather aircraft details, financial information and your structure preference
- 3We submit a packaged case to Lloyds (and simultaneously test other lenders if appropriate)
- 4Credit decision received - typically 2–4 weeks
- 5Legal and survey phase, then drawdown
Key Considerations
- Lloyds is most competitive at £2m+ ticket sizes - below this, Lombard or Close Brothers may be cheaper
- Larger operators with fleet finance needs may receive preferential terms
- Relationship-managed: quality of borrower relationship affects pricing significantly
- Lloyds will consider charter aircraft if managed professionally
- Cross-collateralisation with other Lloyds facilities may be required or may improve pricing
- Lloyds' aviation finance appetite has tightened in recent years - professional broker presentation is important