Commercial Banking > Equipment Financing


Financial Pacific Leasing

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Help your small business customers acquire the assets they need

With the right leasing arrangements, your small business customers can acquire the equipment they need to stay competitive while conserving cash and maintaining low monthly payments. As a leading funding source for third-party originators and lessors, our team is ready to help create solutions that are as unique as your customers.

Experience-driven service for third-party originators

A subsidiary of Umpqua Bank, Financial Pacific Leasing is a direct provider of small-ticket and commercial equipment leases to third­-party originators and lessors. We take pride in making personalized service our top priority. We underwrite, fund, and manage our own portfolio of contracts through two underwriting platforms:

Small ticket

Specializing in leases from $5,000 to $150,000, we qualify A-, B-, and C-Credit borrowers on an application-only basis. With our risk-based pricing model, we're able to work with small businesses with limited credit histories, including funding up to $45,000 for startups. Our fast turnaround times, deep experience, and friendly team of experts help you close deals fast.


For A-Credit borrowers with solid credit and cash-flow, we offer larger, full-financial transactions of $150,000 to $500,000 at competitive pricing.

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We look for the following capabilities and attributes in a third-party originator:


  • Equipment finance experience

  • Established funding source relationships

  • Ability to pull your own credit reports

  • Experience calculating payments

  • Ability to document and close transactions

  • A positive, strong business presence

Customer resources

Application process

Please provide the following documents to initiate the Financial Pacific Leasing third-party originator application process:

Once these documents are received, we will initiate the application process.
We will review:

  • TPO application
  • Resume/professional biography
  • Personal credit report for each principal
  • Business credit report
  • Funding source references
  • Company reviews
  • Confirmation of proper business state filings
  • Industry experience


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.


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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