In This
Issue
A Holiday Message From
Our Founder

With thanks from Pacifica
Capital,
It's time to celebrate the holidays, close out another busy year and begin
planning for 2005. On behalf of Pacifica Capital, I want to take a moment to
express our appreciation to each of you who have supported us, guided us and
participated with us in the course of serving our associates, advisors,
clients, vendors, and funding partners. In one respect, we are all family,
related in our pursuit of excellence, and trying our best always to give
great service with integrity and honesty. During 2004, Pacifica Capital
happily celebrated our 20th anniversary. We have relished these twenty years
of participating in the ever-faster pace of professional equipment leasing
and financing. In our efforts, we have found gratification in the
friendships we have made and the key relationships that have developed over
the years. 2004 was a great year for Pacifica Capital. We achieved our best
results since year 2000, while formulating new strategies and expanding our
capabilities. Armed with your support and friendship, combined with the
dedication and commitment of our established staff of earnest professionals,
we're excited about the prospects for 2005. On behalf of Tony Sherwin,
Harold Noriega and myself, along with our fine team of leasing
professionals, I wish you happy holidays and great success in the coming
year.
Bette Kerhoulas
Quick Links
Capital Equipment
Acquisition
Planning & Budgeting for 2005
Many
firms begin "next year" planning in December. Plans and budget strategies
often include a capital equipment acquisition plan for the coming year.
Sometimes a simple plan can help take advantage of market factors such as
equipment markdowns and discounts, anticipated interest rate increases and
used equipment utility and depreciation timetables. Pacifica Capital works
with customers and vendors to prepare financing programs that matrix with
the firms' capital equipment acquisition plans. By laying the groundwork for
equipment acquisition, Pacifica and its vendors and customers can help meet
equipment purchase and delivery deadlines and installation schedules. This
is especially true in complex transactions that require long lead times
and/or multiple location installations of equipment. For information on
capital equipment acquisition strategies, contact your Pacifica Capital
national account manager.
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New Additions Add To
Success of Pacifica

Lisa, Albert and Nicole
Pacifica Capital is pleased to announce the following key additions to our
team. Each of our new professionals come to Pacifica highly recommended,
with unique talents & skills backed by excellent personal character and
personality. Please allow us to introduce:
Albert Rosado recently joined Pacifica Capital as "The Apprentice" in a new
program designed to take advantage of his customer relationship experience
and educational focus on corporate finance. Albert is near achieving his
undergraduate degree in Finance at Cal State Fullerton. Prior to joining
Pacifica, Albert perfected his golf swing during seven years with golf club
manufacturer, Cleveland Golf. Albert is married to wife Linda, who recently
achieved her MBA in social work. Together they have a 3-year-old son Carlo.
Nicole Courtney joined Pacifica in the role of lease administrator in
September. Nicole has attended the University of Phoenix. Prior to joining
Pacifica, Nicole held customer relationship positions with United
Healthcare, Samsung and Home Depot. In her new assignment, Nicole is
responsible for customer liaison of lease documentation and funding. Nicole
lives in San Juan Capistrano with her cat "Whiskers". Together they await,
with anticipation, the return of the Swallows.
Lisa Whitehead comes to Pacifica Capital as an experienced and successful
eighteen-year veteran of the equipment finance & leasing industry. Lisa was
born in Arcadia, California but moved to the Pacific Northwest where she
"grew up". During her career Lisa has held various positions including
sales, marketing, credit, and operations roles with many well-known firms.
Today Lisa lives in Rancho Santa Margarita. She is an "avid" football and
baseball fan and has no outstanding warrants.
The additions of Lisa, Nicole and Albert are evidence of Pacifica's
continued emphasis on hiring the best talent with an emphasis on quality of
character and integrity.
Hof Leasing Dynamo
Pacifica's financing dynamo Philip Hof has developed a
specialized financing program on behalf of a global manufacturer of high
performance automotive test equipment and dynamometers. The leasing program,
which provides 100% financing to U.S. automotive test, repair and
calibration firms features flexible financing for a wide range of automotive
test equipment costing from $15,000 to $100,000. The automotive aftermarket
industry has consistently grown in size and scope given the interest in
customized, specialty and uniquely designed cars, trucks and motorcycles.
Recently Las Vegas hosted the annual automotive aftermarket shows consisting
of SEMA (Speciality Equipment Manufacturers Association), AAPEX (Automotive
Aftermarket Products and Equipment Exhibition) and NACE (International
Autobody Congress and Exhibition). As an indication of this growing
marketplace, the combined shows filled both the expanded Las Vegas
Convention Center and the Sands Convention center with total attendance
exceeding 100,000 automotive equipment professionals. The dynamometer
financing program allows automotive manufacturers, race teams, R&D houses,
fleet operators, suppliers and safety inspection programs the leverage of a
budget a cash flow solution which, in turn, positions the equipment to pay
for itself through use and corresponding revenue production.
Pacifica Capital, founded in 1984, specializes in direct leasing and vendor
financing programs on behalf of manufacturers and resellers of equipment in
a variety of industries including automotive, construction, technology,
software, computer, hospitality, manufacturing, restaurant, gaming,
broadcast, electronic test, calibration, medical & dental, office equipment,
machine tools, woodworking equipment and telecom.
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