About the Embraer ERJ-145 in Commercial Operations
The Embraer ERJ-145 family - comprising the ERJ-135, ERJ-140 and ERJ-145 - represents an important segment of UK regional aviation. These 37–50 seat regional jets offer jet performance and passenger comfort at a price point significantly below the E-jet and A220 generation, making them attractive for wet-lease operators, feeder services and charter operations.
Commercial Operations Context
UK commercial operators have used ERJ-145 family aircraft across a range of applications: wet-lease to major carriers, feeder route operations, ad-hoc charter and government/medevac contracts. The type's relatively low seat count makes it ideal for thinner routes where an A320 would be uneconomic but where passengers expect jet service.
Finance Overview
Finance Types Available
- Hire Purchase (HP)
- Finance Lease
- Operating Lease
- Sale and Leaseback
Typical Market Price
£800k–£4m depending on age and specification. Values vary significantly by variant, age, total time, maintenance status and avionics fit.
Typical Deposit
30% for established AOC holders with good covenants. New operators or unusual variants may require more.
Finance Term
Up to 7 years. Longer terms available for newer variants with strong residual values.
Worked Example - Embraer ERJ-145 Finance
| Parameter | Example |
|---|---|
| Aircraft purchase price | £2,000,000 |
| Deposit (30%) | £600,000 |
| Finance amount | £1,400,000 |
| Indicative rate | 6.5% p.a. |
| Term | 7 years (84 months) |
| Indicative monthly payment | £20,789 (approx.) |
Example is illustrative only. Your rate and terms will depend on operator profile, aircraft condition and lender assessment.