Pacific Capital Finance - Equipment Leasing

Pacific Capital Finance is a leading provider of commercial equipment financing solutions for middle market companies in a wide range of industries. We have nearly a century of experience in developing innovative financial products and services that are flexible, affordable and tailored to our customers’ specific needs.


Our experienced sales and underwriting professionals team with companies to structure transactions that consider unique requirements and industry characteristics. Designing specific solutions that take into consideration business cycles, seasonal needs, specialized equipment requirements and other factors, allows us to provide a sophisticated solution that adds value to our customers’ businesses.

Equipment Leasing Products & Services

Pacific Capital Finance specializes in providing equipment loans and leases for transactions ranging in size from $10,000 to $1 million and more. We offer flexible terms of up to 6 years, with advance rates tailored to the equipment and credit strength of the borrower. Our products and services include:

  1. New and used heavy equipment leases and loans 

  2. Industrial equipment refinancing arrangements

  3. Sale-leaseback arrangements  

  4. Senior term debt financing

  5. Lease lines of credit for equipment capital expenditures

  6. Cash flow loan structures

  7. Asset-based revolving lines of credit

Commercial Equipment Leasing Solutions for a Wide Range of Industries

Pacific Capital Finance focuses on meeting the domestic and international needs of U.S.-based middle market companies in a variety of industries, including:

  1. Beverage & Agriculture

  2. Construction

  3. Distribution

  4. Food Processing

  5. Graphic arts/printing

  6. Machine tools

  7. Manufacturing

  8. Materials handling

  9. Mining

  10. Oil and gas

  11. Packaging

  12. Plastics

  13. Pulp & paper

  14. Supermarkets/convenience stores

  15. Textiles

  16. Trade & service

  17. Trucking & logistics

  18. Utilities

Advantages

  1. Equipment acquisition financing or a leasing plan, companies can take possession of heavy equipment and put it to work very quickly, while preserving working capital for other priorities

  2. With a secured term, companies can take advantage of the equity in their existing equipment, or use newly-purchased equipment as collateral

  3. A revolving line of credit enables companies to improve their cash flow and restructure their debt according to their current and future requirements

  4. Certain lease structures can provide companies with the ability to reduce their initial investment and monthly payments, with the possibility of taking advantage of some tax benefits

  5. Companies can make use of existing assets through a sale-leaseback program that provides funds to obtain new equipment

  6. Companies have the option of either fixed or floating rates, and “lock into” these rates for the term of the loan or “float” with any of a number of published rates

As Featured On:

Call Us - 949.424.6200