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Balboa Capital – Why Work For Us?


Jump-Start Your Financing Career

Experienced in strategic financing and technology-driven solutions, Balboa Capital remains rooted in outstanding customer service, which is one of the cornerstones of our success. Our employees pride themselves on being champions that continually strive to be successful individuals, both personally and professionally. We reward and encourage independent thinkers who thrive in a team environment, and who are dedicated to uncompromising excellence. If you embrace challenge and have a desire to work in a dynamic atmosphere with a diverse group of highly talented individuals, please look at our current job openings.

Employee Benefits

  • Competitive salaries
  • Medical, dental and vision benefits
  • 401K investment plans
  • Exclusive employee discounts
  • Fun culture dedicated to a healthy work-life balance

Fast, Easy Financing Products For US Businesses

In business, trust is everything. You work hard to earn your customers’ trust by providing them with top-quality products and a high level of service. So, it is only natural that you want that same level of trust when it comes time to select a financing company for your company. Balboa Capital has been the trusted financing resource for many thousands of businesses since 1988. That was the year Patrick Byrne used $4,000 to launch Balboa Capital. Located in Irvine, California, the company was dedicated to providing timely and dependable equipment financing services along with a commitment to responsive and supportive customer service. It didn’t take long for businesses of all types nationwide to start using Balboa Capital for their financing needs.

Continuing a Tradition of Excellence

Over the years, Balboa Capital added more financing products to its broad capabilities, which today include equipment leasing, small business loans, commercial financing, vendor financing and franchise financing. From a humble beginning with one office and a small staff, Balboa Capital now operates multiple locations with a staff of close to 200 financing professionals. But we still earn our customers’ trust by following the same business philosophy that was set forth by CEO Patrick Byrne over two decades ago.

undefinedPatrick Byrne

Chief Executive Officer 

As the founder and Chief Executive Officer of Balboa Capital, Patrick Byrne oversees all aspects of the company’s strategic direction and goals, while ensuring operational excellence within every department. A visionary entrepreneur, Mr. Byrne launched Balboa Capital in 1988 with a mere $4,000, and today the company is one of the largest and most respected independent financing firms. Balboa Capital has been featured twice in Inc. Magazine’s “Inc. 500” list of the fastest growing companies in the US, ranking #67 and #108 respectively. Mr. Byrne is a graduate of the University of Arizona, where he earned a Bachelor of Arts Degree in Economics and Bachelor of Science Degree in Finance. He went on to complete the joint MBA program at Columbia University and The London Business School. Mr. Byrne enjoys surfing, endurance sports and spending quality time with his wife and their three children.

undefinedPhil Silva


Long-time financing industry professional Phil Silva was appointed President of Balboa Capital in 2008, just one year after launching the company’s highly successful Vendor Services Group. Mr. Silva draws on over 25 years of experience to lead Balboa Capital’s sales divisions. His accomplished career includes managing sales professionals and building and retooling equipment segments in the equipment financing industry. Mr. Silva started and ran the National Accounts Group for American Express and was the General Manager for the Healthcare, Franchise and Business Capital Loan divisions, as well as Marketing. In addition, he was responsible for Field Sales at Dana Commercial Credit. Mr. Silva earned his Bachelor of Arts Degree in Business Management from Whitworth College in Spokane, Washington. Phil likes spending time with his wife of 28 years and their children and baby granddaughter. Mr. Silva is an avid fan of sports and “superhero” movies.

undefinedRobert Rasmussen

Chief Operating Officer 

Robert (Rob) Rasmussen has been the Chief Operating Officer at Balboa Capital since 2004. Mr. Rasmussen has nearly 25 years’ experience providing financing solutions to businesses and vendor partners. Prior to joining Balboa Capital, he worked at American Express Business Finance, where he led Risk and Operation for its Vendor Finance division. In this position, he oversaw financing for the healthcare, office products and technology markets. Mr. Rasmussen’s career also spans over 10 years of combined experience at Bell Atlantic Tricon and GE Capital in healthcare and corporate finance. Mr. Rasmussen is a graduate of the renowned Pepperdine University, where he earned his Master’s Degree in Business Administration. He earned his Bachelor’s Degree in Finance from California State University, Fullerton. Robert couldn’t think of a better way to spend his free time than with his wife and their two children. Mr. Rasmussen likes sports, traveling and attending sporting and artistic events for his children.


David Chiurazzi

Chief Financial Officer

David Chiurazzi joined Balboa Capital in 1995 as Vice President and Controller and went on to become the company’s Chief Financial Officer in 2001. In this position, Mr. Chiurazzi is responsible for managing all of Balboa Capital’s financial operations. A Certified Public Accountant, Mr. Chiurazzi’s career spans more than three decades in finance-related fields. Prior posts include Audit Manager at Ernst & Young, Finance Consultant with NAEI, Inc., and Senior Auditor at Kenneth Leventhal and Company. Mr. Chiurazzi earned his Bachelor of Science Degree in Business Administration with an emphasis in Accounting from California State University, Fullerton. Mr. Chiurazzi is a longtime outdoor enthusiast and nature photographer. He and his wife of 27 years enjoy traveling; they have visited six continents.


Key Dates


1988 – Balboa Capital is founded in Irvine, CA

1988 – Balboa Capital ranked 67th Fastest Growing Private Company in the US by Inc. Magazine

1988 – Balboa Capital ranked 108th Fastest Growing Private Company in the US by Inc. Magazine

1997 – Patrick Byrne recognized as Entrepreneur of the Year in Orange County

1998 – Balboa Capital launches vendor services division

2000 – Balboa Capital launches its first e-Business portal

2002 – Balboa Capital launches commercial financing division

2004 – Patrick Byrne acquires 100% ownership of Balboa Capital

2005 – Balboa launches on-line lease processing system for equipment dealers

2005 – Balboa surpasses $1 billion in funded leases

2006 – Balboa Capital introduces stand-alone working capital financing

2013 – Balboa Capital becomes qualified vendor for Choice Hotels, Inc. franchisees

2013 – Balboa Capital becomes preferred lender for Papa John’s franchisees

Balboa Capital Reviews

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Patrick Byrne
33 Ratings
  • Featured Review

    Helpful (1)

    Challenging Career with Industry Leading Opportunity

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Account Manager in San Ramon, CA
    Current Employee - Account Manager in San Ramon, CA
    Positive Outlook

    I have been working at Balboa Capital full-time (More than 3 years)


    Everyday I earn the opportunity to speak with business owners and be of quality resource for their financing needs. I have, with the help of Balboa become a lease pro and working capital specialist. Currently I work at our San Ramon branch in the Bay Area, alongside a branch manager of 15 years in the business (with Balboa) and one that shows me with action how to get it done everyday... In my 2 year 7 month tenure I continue to double my production/compensation every year while working in a nice Bishop Ranch office setting. We have a fair entry level package with residual, renewal, bonus and uncapped commissioned opportunities. This takes time to build, it takes strategy, grit and as in life you have to be passionate, be/become good and mix in quite a bit of hard work. The good news is the platform is here and many make a great living... But you have to come and get it! Not easy but pretty simple.


    Unfortunately our image can be effected by reps that come in here and can't get it done, so they roll us under the bus via out of resentment. Please note: if you can't get a business owner on the phone, take an active interest in the business you are speaking with, present an industry leading value proposition and all you fixate on is having to make dials hoping that business just falls in your lap... or, if you have poor effort via a telemarketing approach on the phone? Then your days are numbered and you won't likely make it in any sales type position or atmosphere. I find business with quality calls and most that are posting bad reviews need to make thousands of calls hoping to get lucky. This is not Balboas fault, they just give us the opportunity. Furthermore, (yes) we have had some bad transactions with clients who claim indignant and (yes) this can be a tough hurdle to overcome. The con here is that it comes up with client interaction but, this is also common of the industry and we have an A+ BBB rating with thousands of happy & satisfied clients for every 1 bad review to assist in overcoming this challenge. If anything this is my motivation for doing a good job for my clients.

    Advice to Management

    Fight to keep our talent. There is a shortage in the workplace for quality talent and when you have quality talent the idea from (my vantage) is to keep it.

Balboa Capital Interviews

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Interview Experience


Getting an Interview

Getting an Interview


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Interview Difficulty



  1. Helpful (3)  

    Account Executive Interview

    Anonymous Employee
    No Offer
    Negative Experience
    Average Interview


    I applied online. The process took 2+ weeks. I interviewed at Balboa Capital.


    Applied online and was contacted by a recruiter 10 days later who was very professional and answered my questions reasonably well. Set up an interview for the following week. First part of the interview was fairly straight forward with the sales manager. He told me about the position, how it entailed 200 cold calls a day, what you would be doing on those calls, and a little bit about the culture of the company. He did not sugar coat anything and specifically mentioned that the job is tedious and full of "grunt work" but that if you get through your calls you'll be fine. He mentioned that the person I would be working under was a "hard a**" and that I would be speaking to him in 20 minutes or so. I understand the job would suck and was willing to deal with it to get a paycheck while I looked for something better. I go into that person's office for the second part of the interview and immediately regretted it. The person is leaning back in his chair, shoes off, hands behind his head stroking his hair, chewing on something, and was wearing a gaudy paisley print shirt. His appearance alone was enough of a sign of disrespect for me to want to leave. He spoke 100 miles an hour in a monotone and barely kept eye contact, as if it was beneath him to show some professionalism to a prospective employee.

    Interview Questions

Balboa Capital Awards & Accolades

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Additional Info

Headquarters Irvine, CA
Size 150 to 499 Employees
Founded 1988
Type Company - Private
Industry Finance
Revenue $50 to $100 million (USD) per year

Established in 1988, Balboa Capital is one of the largest privately-held independent finance companies in the United States delivering access to capital, speed of processing, dependable funding, industry-leading technology and innovative marketing tools that small and medium-sized customers require to fuel their growth and success. Balboa Capital markets its products through ... More

Mission: Balboa Capital’s mission is to deliver financing products in innovative ways through the use of industry-leading tools and technology. We set the highest standards in efficiency, speed of processing, and overall customer service in our industry.

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