Flexible Capital Solutions for Business Owners | SBA, CRE, Equipment & Debt Refinance | First Pacific Bank

I help business owners access smart, flexible capital for growth, acquisition, and real estate. I specialize in Government Guaranteed lending — including SBA 7(a), SBA 504, USDA, and California State Guarantee programs — designed to help business owners who need lower down payments, longer terms, or financial projections to qualify. Typical financing solutions include: - Mergers & Acquisitions (business purchase & partner buyouts) - Business Expansions (organic growth and add-on acquisitions) - Debt Refinance & Consolidation (including high-interest loans) - Owner-Occupied & Investor Commercial Real Estate (purchase. refinance, construction) - Multi-family Real Estate (purchase, refinance, construction) - Tenant Improvements - Equipment Purchases & Refinance - Working Capital & Lines of Credit

At First Pacific Bank, we offer a personalized approach to banking, with access to decision-makers, a commitment to building relationships, and a wide range of customizable solutions to meet the unique needs of individuals, professionals, and small-to-medium-sized businesses.

"You can't really understand another person's experience until you've walked a mile in their shoes" - Mary T. Lathrap Brett is a third-generation real estate entrepreneur that understands firsthand the issues that business owners face. He uses his entrepreneurial knowledge plus twenty years of banking experience to help provide capital solutions for his clientele.