Master Lease
The Master Lease is a pre-approved credit line allowing for multiple transactions (take-downs) over a period of time.

Express Lease
The Application Only Lease does not require financial disclosure. Approvals are granted from $5,000 to $150,000, and usually within a 24 hour period.

Commercial Lease
The Commercial Lease requires a full financial credit package and typically provides for lower finance/lease rates.

Software Only
The Software Only Lease allows for 100% Software Financing, including installation, training, and service. Lease limits are from $5,000 to $5,000,000. Application Only limits to $100,000.

No Pay For 90 Days Lease
The No Pay For 90 Days Lease allows the Lessee to skip the first 3 scheduled lease payments.

Municipal Lease
The Municipal Lease is for the non-profit organization. Pacifica Capital’s Municipal Lease is a straightforward agreement for lease amounts up to $1,000,000. In most cases there is no need for UCC filings, legal "opinion letters," or financial statements on leases less than $100,000. This program would cover:

• County, State, & Local Governments
• Municipal Golf Courses
• Departments of Transportation Water and Electric Boards
• Port, Housing & Transit Authorities
• Colleges & Universities
• Libraries & Museums
• Court Systems, Correctional Facilities
• Most other public institutions

Finance Lease
The Finance Lease spans the useful life of the equipment. Payments are spread over a period of several years and often represent the full value of the equipment. The Finance Lease allows the lessee to own the equipment and take advantage of the tax depreciation benefits that ownership provides.

Operating Lease
The Operating Lease is generally for shorter terms. The lessee finances only a portion of the equipment's value with the lessor assuming the remainder (known as the residual value) at the end of the lease term. Since the lessee can "walk away" from the equipment at the end of term, an Operating Lease is particularly useful in the acquisition of obsolescence-prone equipment.

True Lease
The True Lease gives the lessee the option to purchase at Fair Market Value, renew the lease, or return the equipment with no further obligation at the end of term. The True Lease allows the lessor to claim ownership while the lessee claims the tax deductible rental payments.

Equipment Finance Agreement (EFA)
The EFA is in actuality a loan on the equipment. The debtor usually pays for the equipment and takes all the ownership benefits and responsibilities. The creditor (Pacifica Capital) reimburses the debtor for the equipment and collects the monthly payments. The equipment is owned outright by the debtor at the end of the term.