Since 1984, Pacifica Capital has been providing competitive and flexible financing solutions for small to mid-market companies based on a foundation of integrity and professionalism!
Pacifica Capital is an independent, commercial Finance and Leasing firm which has been providing capital to businesses nationwide since its inception in 1984. Pacifica had rather humble beginnings… Bette Kerhoulas started the company out of her kitchen with a mere $200 in investment capital! Today, we’re headquartered in San Juan Capistrano, California, and we focus on providing top-quality, flexible financial products to our clients.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 national client base includes small and large companies in various industries and technologies. Integrity, knowledge and professionalism are the keys to our success.
To date, Pacifica has financed more than $750 Million and completed more than 15,000 transactions in the USA and across the globe. Our various financial services are briefly outlined below:
Pacifica’s lease/finance programs are structured to meet our customerclient’scapital 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 part 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:
In addition to Equipment Leasing, Pacifica also provides Equipment Finance Agreements (EFA’s) to clients who are interested in financing their equipment acquisitions. An EFA is actually a loan to the customer (Debtor) secured by the equipment as collateral. The Debtor assumes all the ownership benefits and responsibilities. Pacifica (Creditor) either reimburses the debtor for the equipment costs, or pays the equipment vendor directly and then collects monthly payments over the term of the EFA. The Creditor 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. We take pride in our service and would like to have the opportunity to show you that we want your business and are willing to work hard to get it.
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. 231
amys@pacificacapital.com
Amy has been working in the equipment leasing industry for over 25 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 National Equipment Finance Association since 2006 and served on the Board of Directors for United Association Equipment Lessors in 2008. She has been on the Board for the Certified Lease and Finance Professional Foundation since 2013 and currently serves as its Vice President.
Favorite Quote: Try to be a rainbow in someone’s cloud. Maya Angelou
Favorite Things: Sunrise or Sunset hikes, Listening to my mom sing, Hearing my children giggle