Commercial Banking > Equipment Financing


Equipment Finance & Leasing

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Maximize your capital with creative financing solutions

No matter your industry, we understand that you need equipment and technology to run and grow your business. With a flexible, tailored approach for your unique needs, we help you preserve capital while creating financing solutions that are right for you.

What sets us apart

Innovative solutions


We offer a wide variety of creative banking solutions tailored to your unique financial, accounting, and tax needs. Our deep financing experience allows us craft a custom plan with optimal structures and terms, including heavily structured transactions.

Optimal benefits


By getting to know your business, we can tailor our solutions to your most pressing needs. Whether your priorities are freeing up working capital, adjusting fleet size, or capitalizing on tax benefits, we'll structure the right plan for you.

Personalized guidance


Bringing individual service and attention to every relationship is core to building partnerships with our customers. Our representatives in every major Western market have vast experience and a deep breadth of insights that allow us to develop a unique strategy for every financing challenge.

Diverse sector expertise


Recommending a financing structure that meets our customers’ criteria is of utmost importance to Umpqua Bank. As such, we work with our customers as partners, employing our expertise that spans sectors, to develop clear and actionable solutions.

Terms and Pricing

We seek investments in direct and syndicated lease and loan transactions, portfolios and single-investor tax leases.

Transaction size


  • $500,000–$20 million




  • First amendment leases
  • Tax leases
  • Finance leases
  • TRAC leases
  • Equipment finance agreement (EFA)
  • Lease and EFA CapEx facilities
  • Sale-and-leaseback



  • Two to seven years for most collateral and structures
  • 10 years for specialized equipment
  • Finance leases
  • Advance rates up to 100% of invoice, including installation and delivery cost
  • Interim equipment purchases with Progress Payments


Credit profile


  • Sufficient and predictable cash flow coverage
  • Balanced and sustainable financial trends
  • Assets financed or leased to be integral to the business operation




  • Competitive using fixed and floating rates
  • Fixed rates at takedown based on swaps
  • LIBOR-based floating rates

Customer resources

We seek investments in direct and syndicated lease and loan transactions, portfolios, and single-investor tax leases.


What's the difference between a lease and standard financing?

Not much. Both allow you to pay for or use equipment by making a monthly payment. The main difference is ownership. With leasing, you are making a monthly payment to use the equipment. You'll typically find more favorable and flexible structures with leasing as opposed to standard financing.

What type of upfront investment is required with leasing?

Most leasing companies require the equivalent of two payments in advance. This is typically less than other forms of financing because down payments are rarely required, and delivery and installation is often included in the lease.

What happens at the end of the lease?

Depending on the structure of the lease, you will normally be able to purchase the equipment or return it to the lessor. Make sure you clearly understand your options at the end of the lease term before entering into a lease. Financial Pacific personnel will help you understand the alternatives available to you at the end of your lease.

Are there tax advantages to leasing?

There may be tax advantages, depending upon the structure of the lease. Financial Pacific helps you structure the lease that best fits your cash flow needs. We encourage you to work with your accountant or tax advisor to ensure proper handling of taxes.

What terms are available to me when leasing?

Terms can range from 24 to 60 months, depending on the equipment being leased. Financial Pacific can also structure the lease to fit your cash flow requirements by designing a payment plan that can include skipping payments or making seasonal adjustments.


Equipment insurance

Please fax proof of insurance to:
FPL Insurance Services
(305) 506-0094

The certificate should include the lessee’s business name, location address of the equipment, a detailed equipment description, dates of coverage, and the contract number. Financial Pacific Leasing or its successors and/or assigns must be listed as Loss Payee. Please call (888) 423-6722 with questions.



Credit application

Apply for Umpqua equipment financing today



Contact us

Speak with an FPL representative between the hours of 7 a.m. and 5 p.m. Pacific Time at (800) 447-7107.

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