Embraer
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Mehmi Financial Group helps businesses finance and lease Embraer equipment, including aviation equipment, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Embraer units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About Embraer
Embraer is a Brazilian aircraft maker whose executive jets include the Phenom and Praetor families; in 2026 it introduced the updated Praetor 600E and 500E. The Legacy 450/500 and Praetor 500/600 are mid-size and super mid-size business jets.
Embraer aircraft on our list
Our list includes Embraer business jets such as the Legacy 600, a large-cabin jet used for corporate and charter travel.
How lenders view business jets
Business jet financing is specialized. Lenders review airframe and engine hours, engine programs, maintenance status and the aircraft's use. Insurance and crew qualifications are confirmed before funding.
Financing Embraer jets
Aviation lenders handle these deals. A pre-purchase inspection and complete records are essential.
How Embraer equipment financing works
Most Embraer purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.
What lenders check on a Embraer aviation equipment
Lenders look at airframe and engine hours, logbooks, inspection status and how the aircraft or simulator earns revenue. Aviation financing is specialized and handled by a smaller group of lenders.
Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and hours and logbooks, and financial statements or tax returns for larger amounts.
See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.
All Embraer models with financing pages
| Model | Type | Category |
|---|---|---|
| Embraer | Equipment | Aviation |
| Embraer (business jets) | Equipment | Aviation |
| Embraer Legacy 600 | Equipment | Aviation |
| Embraer Praetor 500 | Equipment | Aviation |
| Embraer Praetor 600 | Equipment | Aviation |
Tax treatment of Embraer equipment
In Canada, aircraft generally fall in CCA Class 9. Aircraft components and simulators can be treated differently, so confirm with your accountant. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.
End-of-term options on a Embraer lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances Embraer equipment
Aviation: charter and air-taxi operators, flight schools, medevac and utility operators, and aircraft maintenance organizations finance Embraer equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and hours and logbooks?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed Embraer equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance a used Embraer Legacy 600?
Yes, through aviation lenders who review hours and records.
Where is Embraer from?
Embraer is a Brazilian aircraft maker.
Can a charter operator finance an Embraer jet?
Yes. Lenders review charter revenue.
Are engine programs important?
Yes. They support value and lender confidence.
Is a pre-purchase inspection required?
It is standard for business jets.
Is insurance required before funding?
Yes. Lenders confirm insurance and crew qualifications.
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