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 15,000 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.