About PacFin
PacFin is an independent equipment finance brokerage built to handle real-world equipment purchases that fall outside traditional bank programs. We specialize in used construction equipment, private-party transactions, and deals involving non-standard credit or documentation.
Our role is to structure financing around the equipment and the buyer’s situation, then place the deal with lenders whose programs actually fit. That approach allows us to get approvals where rigid bank guidelines often fail.
OUR SERVICES
What we do
PacFin focuses on equipment financing scenarios that require flexibility, experience, and proper deal structuring. Rather than offering one-size-fits-all programs, we work across a lender network to place transactions that don’t fit inside conventional bank criteria.
Our primary focus today is construction equipment financing, particularly for used equipment and private-party purchases. We intentionally work in areas where rigid underwriting often creates unnecessary friction for buyers.
PacFin regularly arranges financing for:
Why PacFin Exists
Many equipment purchases don’t fit neatly inside bank lending programs. Used machines, private-party sales, high-hour equipment, and non-standard credit profiles often fall outside rigid underwriting guidelines, even when the equipment and the buyer make sense.
PacFin was built to bridge that gap. By working as an independent broker rather than a direct lender, we’re able to structure transactions around real-world conditions and match them to lenders whose programs are designed for these types of deals.
How PacFin Works
1
Independent Broker Model
PacFin is an independent equipment finance brokerage, not a direct lender. That means we are not limited to a single credit box or program and can evaluate each deal on its own merits.
2
Deal Structuring First
Before submitting anything to lenders, we focus on the structure of the transaction. Equipment type, age, value, seller type, and credit profile all factor into how a deal is positioned for approval.
3
Matched to the Right Lenders
Once a deal is properly structured, it is placed with lenders whose programs align with the equipment and the borrower’s situation. This approach improves approval outcomes and reduces unnecessary back-and-forth.
OUR CLIENTS
Who We Works With
PacFin works with contractors, owner-operators, and construction businesses that need financing solutions beyond standard bank programs. Our clients are typically purchasing used equipment, navigating private-party transactions, or operating with credit or documentation profiles that require flexibility.
If your deal doesn’t fit a traditional checklist, that doesn’t mean it isn’t financeable. It means it needs to be evaluated and structured correctly.
PacFin commonly works with:
Serving Buyers in California and Nationwide
PacFin is based in California and works with construction equipment buyers across the state, including Southern California markets such as Riverside County, Temecula, and Murrieta. Through our lender network, we also arrange equipment financing for qualified buyers nationwide.
Our transactions are handled remotely, allowing us to support private-party purchases and used equipment transactions regardless of location, while maintaining a strong understanding of California-based deals.
PROFESSIONAL STANDARDS
Independent. Transparent. Deal-Focused.
PacFin operates as an independent equipment finance brokerage. We do not fund loans directly and are not tied to a single lender or program. This independence allows us to evaluate each transaction objectively and recommend financing structures that align with the equipment, the buyer’s situation, and lender requirements.
We prioritize transparency, clear communication, and realistic expectations throughout the financing process. Our goal is to help buyers understand their options and move forward with confidence.
Let’s See If Your Deal Fits
If you’re exploring financing for used construction equipment or a non-standard purchase, we’re happy to review the details and discuss your options.