Pacific Working Capital E First St, Santa Ana

great company, great loan products and knowledgeable staff

Office location is hard to find at first but when I did parking was easy. Nick was able to get us approved for a working Capital loan the next day because the credit officer had already left for the day. Book your appointment early and leave about an hour for the process if you apply in person. I had a friend who applied online and it was much quicker for her.

Office was lovely, very nice staff and lobby was warm and inviting. My loan specialist was on time and approved me before I even left the building. I was funded 2 days later for $165,000 and it allowed us to purchase the inventory we needed to get through the holiday season

Brad walked me through the entire process and they hardly asked for financial information. I was approved and now I am on my 4th loan with Pacific Working Capital. I get a holiday card and a card on my birthday which is a very nice touch.

I was a little disappointed at first when I needed $30,000 and only got approved for $20,000. They told me when I am eligible for a renewal they will make it up to me and I am almost at that point so lets hope. They have been honest with me this whole time I don’t anticipate them being dishonest now.

Nick went above and beyond. I was initially declined but he pushed to get me an offer and got it overturned. I took a starter loan and now I am on my 3rd loan with them. Nick, a guy is very professional. I was initially declined for the loan and he pushed to get me an great offer and got it back. I took a small starter loan and now I am on my 4th loan with them.

Renewals are a must with this company! I was told during application process for my first loan that once I develop pay history they can get me offers at 10%, weekly payments, longer terms (18 months) and they did. Its half the rate of my first loan, double the term and I took additional money out.

This company has great reviews all over the internet so I decided to give them a try. Glad I did. I was assigned to Aaron who didn’t make me feel pressured which I believe is very important. Rates were just OK and the term wasn’t as long as I wanted but it worked and I appreciated his honesty throughout the process.

Early payment discounts are very fair here. I was given a 6% discount on my entire balance which was about 12% interest discount. It made the deal very attractive. I get they have to make their money but I was hoping the interest would have been forgiven but it wasn’t.

Anyone looking for money needs to call Debbie at Pacific Working Capital, she was great! Very nice, walks you through the process and doesn't make you feel like your being sold something. Its a service driven company.