Financial Pacific Leasing

Help your small business customers acquire the assets they need with small-ticket equipment leasing

With the right leasing arrangements, your small business customers can acquire the equipment to compete while conserving cash and keeping monthly payments low. As a leading funding source for third-party originators and lessors, our experienced team is ready to help. 

First-class 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 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. We help you close the deal
with fast turnaround times.


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



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.

How else can we assist you?

Let us know how we can help and we’ll get back to you soon.

Need help now? Call (866) 790-2121 Mon.-Fri., 8 a.m.-5 p.m.

Please note: We currently serve new customers in OR, WA, CA, ID and NV.