Raise the bar for your company
Move forward with your business plans when you’re ready, no longer waiting for your bank’s approval. Get capital to grow, without the runaround.
Capital built around your business
Tailored to meet your needs, not forced into a one-size-fits-all box.
Merchant cash advance
Get an advance on your future credit card receivables and repay as a share of your sales, so payments flex with your revenue.
Equipment leasing
Lease the POS, terminals and equipment your business needs, effortlessly, without a large upfront outlay.
Asset financing
Finance other assets and investments to move your business plans forward, on your schedule, not the bank’s.
Don’t let your bank set your timeline
Traditional lenders move slowly and say no often. Pacific Capital is built to say yes to growth, quickly, and on terms that fit how your business actually earns.
- Skip the long bank approval process
- Funding tailored to your business, not a rigid formula
- Repayment that can flex with your sales
Funding in four simple steps
Apply in minutes
Start with a quick, no-pressure conversation about your business and your goals.
Get a tailored offer
We match you with funding built around the needs of your business.
Get funded
Once you’re approved, put the capital to work, no waiting on bank committees.
Repay as you grow
Flexible repayment that can move with your sales, not against them.
Frequently asked questions
What kinds of financing do you offer?
Business loans and cash advances tailored to your needs, including merchant cash advances on your card receivables, equipment leasing, and asset financing through Pacific Capital.
Do I have to wait for my bank’s approval?
No. The whole point of Pacific Capital is to let you move forward with your plans when you’re ready, without waiting on a traditional bank’s approval process.
How do repayments work on a cash advance?
A merchant cash advance is repaid as a portion of your future credit card sales, so what you pay back can flex with how your business is doing.
How do I get started?
Just request a free consultation. We’ll talk through your goals and walk you through the options that fit your business.