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 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.
When it comes to your Broadcasting, Audio/Visual, Film or Production needs, we at Pacifica are more than happy to assist you in finding the best financing solution for your business. Whether you are looking to get your hands on the most-recent camera, update your studio with new post- production equipment, or looking to secure a new transmitter for your station, we will be sure to work with you to insure a smooth transition.
Pacifica has provided significant financing through the years to the restaurant industry; both to franchise operators and independent restaurant operators.Financing often covers 100% of the total acquisition costs for FF&E, including such “soft costs” as applicable taxes, freight & installation charges. Our equipment leasing and financing products can be used for the acquisition of:
Whether you are an owner-operator, mutli-unit establishment, or large fleet operator, Pacifica can provide easy and competitive solutions for all of your tractor/trailer needs. We can work across all areas of transportation to find you the perfect financing/leasing product.
Growing companies are constantly challenged with the need to update their technology and office solutions. Whether you are looking for computer or phone equipment, office furniture, industry-specific software, or an espresso machine for your break room, Pacifica can provide financing options with ease and trust.
This industry has evolved from being primarily labor intensive to also capital intensive, largely due to the cost of improving efficiency via technology. Financing of capital assets allows our customers to effectively match equipment acquisition expenses to revenues generated from the use of those assets. Pacifica can finance your new equipment needs and/or can refinance your existing equipment, allowing you tomore effectively manage cash flow. We offer customized financing solutions that are tailored specifically for your manufacturing business.
Pacifica can meet the medical equipment needs of all types of healthcare companies from small private practices to large hospital systems. We understand that your top priority is the well-being of your patients and are happy to act as a consultant to quickly secure financing for all of your equipment needs. Our team has assisted various size practices with obtaining all types of medical equipment from a $5,000 laser machine to a multi-million dollar MRI machine.
Is your growing construction company needing to acquire some additional equipment for a new project? Or maybe you have most of your cash tied up in your capital assets? Make your existing equipment work for you. Conserve your cash and allow Pacifica to finance that asset over a term of your choice. Pacifica can also provide a sale-leaseback product in which you can take your existing assets and sell them to us for cash to be used at your discretion, all while continuing to use the equipment for a small monthly payment.
Pacifica Capital specializes in your photographic needs regardless of the size of your company. Whether you are an independent Photographer looking to up-grade to the latest digital back or a multi-million dollar rental studio interested in revamping your entire studio and rental department, Pacifica Capital can handle your acquisition. We have long standing relationships with several Manufacturers as well as the Photography dealers nationwide. We have an in depth understanding of much of the photographic equipment including digital backs, lenses, packs & lighting equipment, grip, printers, kiosks and much more.
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:
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.
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 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:
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:
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.
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.
Amy and her husband Justin reside in San Clemente, California with their children Ava and Ryan. They enjoy hiking, skiing, going to the beach and spending time with family and friends.
Bette formed Pacifica in June of 1984, initially working from her kitchen and with only $200 in capital. She's been at the helm of the company from the beginning, and continues to oversee the day to day operations. She handle key in-house accounts and develops and maintain lender and underwriting relationships. She became a Certified Lease and Finance Professional (CLFP) in 1999.In 2003, Bette was honored to be selected as the 1st female President of one of our industry's premiere leasing/financing associations, National Equipment Finance Association (NEFA), formally UAEL. She's also been active in the Southern California Region of NEFA for years and served on the Board of Directors for seven years.
Bette resides in the community of Talega in San Clements, CA with her husband Dion. She enjoys all sports - but is passionate about playing both tennis and golf. She is also very active in her Church music program and is a member of the Worship Team and Band.
Carrie received a B.A. in Psychology in May of 2000 from Loyola Marymount University and started her career in leasing later that same year. Since 2002, she has focused her business in the photo industry and has worked with many of the major manufacturers of high end cameras, digital backs, packs & heads, photo printers and kiosks as well as many of their dealers nationwide. Although a significant portion of her business is in the photo industry, Carrie also has experience in the restaurant, fitness, construction, and trucking industries, and much more. Carrie joined the Pacifica team in December of 2007.
Carrie and her husband Fred have two daughters, who keep them busy and happy. They enjoy spending much of their time together as a family on their boat, playing soccer and running from one activity to the next.
Jerry particularly enjoys creating unique, innovative financing alternatives to satisfy a specific clients financing requirement. He reside with his wife in Mission Viejo, CA, and they enjoy the many benefits life in Southern California has to offer.
Keith's background originates back to 1989 with Bell Atlantic Tri-Con where he concentrated on the development of Vendor Lease Programs, primarily in the technology and medical communities. After managing an in-house, Private Label Leasing program for Toshiba in Irvine, California, for more than 350 of their distributors nationwide, he was promoted to Bell Atlantic's Medical Finance Group, responsible for the support and arrangement of financing terms for doctors and clinics through their State Medical Associations. Since joining Pacifica in 1993, he's expanded his knowledge and experience to a variety of vendors who sell both equipment and software in various industries throughout the U.S. He continues to support vendor relationships, offering a wide range of financing programs to handle virtually any credit scenario from startups to publicly traded companies. He brings his clients professionalism through experience, integrity and trust. In his free time, he enjoys being a father to his son, cooking, tennis, surfing, fishing and camping.
Larry is a seasoned executive, entrepreneur and innovator with a strong track record of success at every level in equipment leasing, commercial finance and asset-based lending.
Larry began his career in commercial finance in 1975 with American States Leasing Corporation (AmstatCorporation-San Diego), where he was perennially the Company's lead producer of new business. Larry also played an integral role in the planning and execution of Amstat's initial public offering in 1981. Subsequently, in 1989, Larry was the lead partner in the initial strategic planning and formation of Vision Capital. Larry was at the helm and successfully ran Vision Capital for 20 years, where he excelled in new business development, portfolio management, managing of corporate banking relationships, syndication/funding, relationships with regional banks, commercial finance companies and other national institutional lenders and hands-on experience in every facet of executive management.
Larry's expertise in commercial finance, deal structuring, credit due-diligence processing, asset-based marketing services and transaction underwriting has gained him a reputation for integrity and for consistent delivery of competitive financial solutions for many long-term clients.
Larry's time away from work is filled with dining and entertainment with his lovely wife, Mary Lou, cycling (road & mountain) men's ministry work with his church and family gatherings for food, laughter and love!
Lisa joined the Pacifica Family in November 2004, adding almost 20 years of industry experience to our great team. Having started her leasing career in sales with a direct lender, moving on to Customer Service Manager, Documentation & Funding Manager and most recently, Operations Manager, she brings a unique skill set to an organization filled with talented and experienced professionals. Being able to help our clients grow and update their businesses by finding them the right financing choices gives her great satisfaction.
In her free time, Lisa enjoys traveling with friends and family, sports, reading and volunteering.
Loren is a seasoned executive, with over 20 years' experience in equipment finance, equipment leasing and asset-based lending
Loren began his career in equipment finance in 1987 with Winick Leasing in San Diego, CA. In 1988, Loren founded LSE Leasing in San Diego, CA, and successfully ran his company for over 15 years. He excelled in new business development, transaction syndication and funding, and managed relationships with regional banks, commercial finance companies and other national institutional lenders.
Loren is an expert in every facet of equipment finance, and has a proven track record of connecting small and medium size businesses with the capital needed to finance their growth and future.
Loren's time away from work is spent training and racing his bicycle at an elite masters level as well as spending time with his family and dogs.
Nana is from Rio de Janeiro, Brazil and has been in California since 1997. She has been part of Pacifica since 2000 and is currently the Marketing Manager. Nana lives in Ladera Ranch, California with her husband and two children, Lucas and Isabella.
Sometimes magic is just someone spending more time on something than anyone else might reasonably expect.
