Stratus Financial Fund I is a 506(c) passive income fund financing super-prime commercial aviation training loans. 4+ years of operating history, $94.4M+ originated, 86.71% average FICO, and a 765+ flight school origination network.
We originate purpose loans to super-prime borrowers pursuing their commercial pilot license, funded through a 765+ partner flight school origination network. The fund has been operating for four years, has originated $94.4M+, and has delivered 76.5% cumulative net returns to date.
Founded by FAA-certificated flight and ground instructors. The team that underwrites the loans has actually trained and graduated pilots through the same programs.
Average borrower FICO of 86.71 percentile. This is consumer credit, but it is the top decile of consumer credit, not subprime yield dressed up as a story.
Strong institutional capital stack alongside accredited LPs, giving the fund durable origination capacity and consistent loan-level pricing.
Proprietary vetted partner network across the United States. Origination is relationship-led, not bought from lead farms, which compresses acquisition cost and raises approval quality.
US consumer credit with a specific borrower thesis. Diversification across loan programs, loan terms, and risk tranches inside the fund.
Traditional banks and private student-loan companies avoid aviation training financing due to specialty underwriting. The supply-demand mismatch is structural, not cyclical.
US commercial aviation is staring at a structural pilot shortage that no current training pipeline has closed. Training is expensive, traditional banks will not underwrite it, and private student-loan companies will not touch specialty credentials. That gap is where Stratus has built a lending business.
Every loan is underwritten to super-prime FICO standards, originated through a vetted flight school partner, and structured to repay during the borrower's earning phase as a commercial pilot.
Borrower demand grows with every airline retirement cliff. Repayment accelerates as graduated pilots move into six-figure first officer roles. The fund stays paid because the airlines need the seats filled.
Returns are targets, not guarantees. Past performance is not indicative of future results. The numbers below reflect the fund's operating history as disclosed in the 506(c) offering documents.
The fund is run with a white-glove IR posture. Every accredited investor gets a direct line to the team, reporting is monthly, and Stratus's investor relations desk is staffed by actual humans.
Thirty minutes with the Stratus Financial team. We walk you through the fund, the underwriting, the pilot-shortage thesis, and the subscription mechanics. Accredited investors only.
Schedule A Call