Q1

What does Pacifica Capital do?

A1

Pacifica Capital is an expanding company that endeavors to develop long term relationships, by offering competitive rates with exceptional service. We can provide a full compliment of Equipment Leasing and Financing. Pacifica Capital controls the entire process from transaction negotiation (term, payment amount), credit and financial analysis, through execution of lease documentation and funding. In addition to direct lending capabilities, Pacifica Capital has strategic relationships with more than 30 lenders, financial institutions and investors.

Q2

What type of equipment does Pacifica Capital lease?

A2

We are able to lease/finance almost anything. Below are some examples of types of equipment we finance.

• Computers Hardware
• Software and Business Internet Solutions
• Manufacturing
  
• Telecommunications
  
• Video/Film Production/Postproduction
  
• Pre-press, Printing, Bindery, Baking
• Surface Mount Technology
• Metal Working
• Material Handling
• Pharmaceutical/Chemical
• Medical / Dental
• Restaurant
• HVAC
• Energy Related Applications
• General Office
• Commercial Vehicles
• Furniture & Fixtures
• And More

Q3

Why Partner with Pacifica Capital?

A3

Pacifica Capital Offers Customized Solutions. - We work within your specific needs and requirements, structuring the most beneficial lease for your situation.

Pacifica Capital Offers Flexible Programs. - Since we have in-house funds and many additional premier funding sources across the United States, we can offer you unmatched flexibility in designing your lease program.

Pacifica Capital Performs. – We believe in long-term relationships built on unequaled service to you. Since we want your business, Pacifica Capital will always strive to benefit your company with solid lease transactions.

Q4

Why lease / finance through Pacifica Capital rather than my bank?

A4

There are many of advantages - take your pick!

1. Increased credit availability. Conserve your bank line for emergencies or other operating and growth requirements
2. No compensating balances (which increase overall rate)
3. Fixed financing – not floating
4. Longer terms for better cash flow
5. No large deposits
6. No restrictive covenants
7. 100% financing
8. No points on loan fees
9. No blanket liens
10. No yearly clean-up periods or calling of loans
11. Competitive pricing – once other factors are considered, i.e. tax deductions, down payments, compensating balances, etc.
12. 100% Tax deductible - can expense entire payment, enabling quicker recovery of your investment
13. Software & soft costs are covered, including training, shipping, installation, wiring, etc. This helps current cash flow and maintains ratios.

Q5

What type of information will I be asked to provide in the Pacifica Capital lease/finance application?

A5

The Pacifica Capital lease/finance application is basic and simple. There are only six steps to complete your application:

1. Basic Company Information
2. Owner / Principal Information
3. Equipment Information
4. Banking Relationships
5. Credit Relationships
6. Your Signature

It takes less than 10 minutes to fill out and no tax returns or receipts are needed to complete it. Please check out our Faxable Forms.

Q6

How can I make the lease/finance process as painless as possible?

A6

Pacifica Capital’s lease process is easy and simple.

1. Fax your lease application with your signature.
2. Pacifica Capital will process & underwrite your lease application by reviewing your credit history, equipment requirement, etc…
3. Your lease will be approved (usually within 24 hours).

Q7

How are Pacifica Capital lease/finance decisions made?

A7

Pacifica Capital will review your Credit history, bank & trade references, term debt, lease structure, and equipment qualification. We have two types of financing – Application only & Commercial. Commercial transactions will require financial disclosure.

Q8

I live outside the United States. Can I use Pacifica Capital?

A8

Yes you can. Pacifica Capital can offer lease/finance programs to firms in Canada, as well as foreign owned companies. For more information, please contact us.

Q9

Will you share or sell my information?

A9

Absolutely not! Pacifica Capital solely uses your information to process and evaluate your application. We do not sell, rent, or disclose your information to any other company other than our bank or underwriting source. Please check out our Privacy Policy in detail.

Q10

Can an unauthorized person view my Pacifica Capital application?

A10

Absolutely not! Pacifica Capital has taken every possible precaution to protect the privacy and security of your information. Please check out our Privacy Policy in detail.