Since 1984, Pacifica Capital has been providing competitive and flexible financing solutions to small and mid-market companies based on a foundation of integrity, knowledge and professionalism.
Pacifica Capital is an independent, commercial Finance and Leasing firm which has been providing top-quality, flexible financial products to businesses nationwide since its inception in 1984. While Pacifica had rather humble beginnings with Bette Kerhoulas starting the company out of her kitchen; to date, Pacifica has financed more than $750 Million and completed more than 18,000 transactions in the USA and across the globe. Our business relationships are built on a foundation of trust, confidence and exceptional service, utilizing the most competitive programs and financial services in the industry.
Our various financial services are briefly outlined below:
Pacifica’s lease/finance programs are structured to meet our customer client’s capital needs. We control the entire transaction process from the initial gathering of the application and credit information, to financial analysis, then to transaction approval, negotiations (term, payment amount, structure, etc.), and through the execution of documentation and funding. Our management and staff are well versed in streamlining the transaction process and have a long history of dealing openly and fairly with equipment end users and vendors. In addition to direct lending capabilities, Pacifica has strategic relationships with an extensive network of domestic and international capital resources. We are committed to meet client’s capital needs, to exceed client and vendor expectations and to earn our client’s future business.
Capital Asset Leasing:
A lease is a contract in which one party conveys the use of an asset to another party for a specific period of time at a predetermined rate. Pacifica provides the following types of Equipment Leases:
Capital Asset Financing:
Pacifica offers Equipment Finance Agreements (EFA’s) to clients who are interested in financing rather than leasing. An EFA is a loan to the customer (Debtor) secured by the equipment as collateral. The Debtor assumes all ownership benefits and responsibilities. Pacifica (Creditor) or its assigns holds a security interest in the equipment until the EFA is paid in full.
Becoming a strategic partner with Pacifica seamlessly brings together the benefits of lease financing for you and your customers. Our Vendor Programs are designed to increase your sales while developing long-term relationships built on integrity and trust. With over 30 years of lease and finance experience, Pacifica understands your day-to-day needs and those of your customers. We’ve built a team of professionals who will address those needs, while offering knowledge on a wide array of financial products.
We know that making a sale is hard work and finding a financial partner to compliment your product is not always easy. Our expertise is in securing finance terms that will satisfy your customer and help close the sale. Our team is supported by an efficient communications network to ensure fast decision-making and follow-through so that you are funded as quickly as possible.
How leasing will benefit your next sales call:
Pacifica provides commercial real property loans through its extensive network of institutional and private commercial RE portfolio lenders. Loans typically range from $250,000 to $5,000,000 and may include:
Pacifica provides financing for companies who need to consolidate or restructure their existing term debt obligations to better balance their cash flow. Debt restructuring loans roll-up the existing debt into a new loan facility with more favorable terms. Collateral will include a 1st priority security interest in the assets refinanced along with other supplemental assets which may include:
Pacifica offers extensive financing options to new and seasoned franchise business operators. Franchise loans typically range from $10,000 for small equipment acquisitions (i.e. point-of sale, ice machine, fryer, printing, office equipment, etc.) up to $5,000,000 or more for multi-unit development which may include:
Pacifica provides working capital loans to small & middle-market sized companies. Small-ticket W/C loans (ranging from $10k to $250k) are cash flow driven and are often unsecured with simple personal guaranties. Mid-ticket W/C loans (ranging from $250k to $3mm+) are asset-based loans typically secured by accounts receivable, inventory, equipment & machinery and/or other company assets and may include:
With over 250 years of combined experience in equipment financing and leasing, Pacifica Capital has a dynamic team of employees who share a deep commitment to the needs and successes of its customers.
We're here to finance what your business needs when you need it.
800-800-8081, ext. 227
bettek@pacificacapital.com
Bette formed Pacifica in June of 1984, initially working from her kitchen and with only $200 in capital. She’s been at the helm of the company from the beginning, and continues to be active as needed in the day to day operations. She handles key in-house accounts and assists in developing and maintaining lender and underwriting relationships. She became a Certified Lease and Finance Professional (CLFP) in 1999. In 2003, Bette was honored to be selected as the 1st female President of one of our industry’s premiere leasing/financing associations, National Equipment Finance Association (NEFA), formally UAEL. She’s also been active in the Southern California Region of NEFA for years and served on the Board of Directors for seven years.
Bette resides in the community of Talega in San Clemente, CA with her husband Dion. She enjoys Pilates and all sports – but is passionate about playing golf, tennis, and pickleball. She is also an elder in her Church and a member of the music worship team.
Favorite Quote: "The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand." — Vince Lombardi
Favorite Things: Weekly “dates” with my best friend, my husband. Singing and taking in all of God’s beauty. Being physically active every day. Loving and nurturing my kids and grandkids.
800-800-8081, ext. 231
amys@pacificacapital.com
Amy has been working in the equipment leasing industry for over 30 years. Pacifica was founded by her mother and current Managing Director, Bette Kerhoulas in 1984. Amy has been a full-time member of the Pacifica team since 1994 and has been involved in most aspects of operations including credit, documentation, funding and accounting. Currently, she focuses on all general company operations as well as cultivates and manages key client accounts and vendor relationships. Amy earned her B.S. degree in Economics from the University of California, Irvine, and became a Certified Lease and Finance Professional (CLFP) in 1999. Amy has been actively involved in the Southern California Region of the National Equipment Finance Association (NEFA) since 2006 and served on the Board of Directors for United Association Equipment Lessors (UAEL) in 2008. From 2013 to 2018, Amy served on the Board of the Certified Lease and Finance Professional Foundation as Treasurer and President. In 2015, she received the annual Cindy Spurdle Award of Excellence from the CLFP Foundation which was created to acknowledge the CLFP who has contributed the most to the industry and best represents the CLFP ideals for the year.
Amy resides in San Clemente, California with her children Ava and Ryan. They enjoy hiking, skiing, volleyball, football, pickleball, music and spending time with family and friends. Amy and Ava are members of the National Charity League – Monarch Chapter in which Amy has served on the Board of Directors for the past two years as Treasurer. She is currently serving as President Elect and will be President in the 2025-2026 school year.
Favorite Quote: "Try to be a rainbow in someone’s cloud." — Maya Angelou
Favorite Things: Sunrise or Sunset hikes with the kids and Levi (the dog).
720-635-0535
randyp@pacificacapital.com
Randy has been working in the equipment leasing industry since 1986 and has enjoyed several past executive positions with major equipment financing companies in Colorado, California and Texas. His responsibilities have included direct Sales, Sales Management and Executive positions in the industry since 1986. He truly enjoys the equipment leasing industry because it brings so many valuable solutions for essential equipment acquisitions to small, medium and large businesses. Advantages like bringing new technology to small to large businesses, improved cash flow for productive equipment acquisitions and cash flow advantages like 100% financing, zero down payment, and several important tax advantages for equipment acquisitions.
Randy enjoys explaining these important advantages to business owners and providing the perfect solution to equipment acquisitions. If your business is considering a capital equipment acquisition, please contact Randy to talk about the pros and cons of your equipment acquisition choice of solutions. He is currently producing solutions for businesses in the Denver metro area, Colorado and surrounding areas. He is also available to visit your location to discuss solutions for upcoming equipment acquisitions for your business.
800-800-8081, ext. 229
larryt@pacificacapital.com
Larry is a seasoned executive, entrepreneur and innovator with a strong track record of success at every level in equipment leasing, commercial finance and asset-based lending.
Larry began his career in commercial finance in 1975 with American States Leasing Corporation (AmstatCorporation-San Diego), where he was perennially the Company’s lead producer of new business. Larry also played an integral role in the planning and execution of Amstat’s initial public offering in 1981. Subsequently, in 1989, Larry was the lead partner in the initial strategic planning and formation of Vision Capital. Larry was at the helm and successfully ran Vision Capital for 20 years, where he excelled in new business development, portfolio management, managing of corporate banking relationships, syndication/funding, relationships with regional banks, commercial finance companies and other national institutional lenders and hands-on experience in every facet of executive management.
Larry’s expertise in commercial finance, deal structuring, credit due-diligence processing, asset-based marketing services and transaction underwriting has gained him a reputation for integrity and for consistent delivery of competitive financial solutions for many long-term clients.
Larry’s time away from work is filled with dining and entertainment with his lovely wife, Mary Lou, cycling (road & mountain), men’s ministry work with his church and family gatherings for food, laughter and love!
Favorite Quote: "There is but one straight course, and that is to seek truth and pursue it steadily." — George Washington, 1795
Favorite Things: Family Gatherings, Recreational Cycling, Serving in Church Ministries, Eating Big Chimichangas
800-800-8081, ext. 249
carriep@pacificacapital.com
Carrie received a B.A. in Psychology in May of 2000 from Loyola Marymount University and started her career in leasing later that same year. Since 2002, she has focused her business in the photo industry and has worked with many of the major manufacturers of high end cameras, digital backs, packs & heads, photo printers and kiosks as well as many of their dealers nationwide. Although a significant portion of her business is in the photo industry, Carrie also has experience in the restaurant, fitness, construction, and trucking industries, and much more. Carrie joined the Pacifica team in December of 2007.
Carrie and her husband Fred have two daughters, who keep them busy and happy. They enjoy spending much of their time together as a family on their boat, playing soccer and running from one activity to the next.
Favorite Things: Working out & Yoga, Fundraising for the Elementary School, Spending time in the ocean and in the sun
