We don’t just build wealth.
We build relationships.
Investors aren't just numbers to us. We value trust, open communication, and shared success.
Michael Guthrie
Michael Guthrie has real-world experience in business, investing, and leadership. A former military man, he moved into the med-tech industry, where he led teams and drove growth before stepping into the ATM business as VP of Sales.
Alongside his wife, Samantha, Michael built Automated ATM Solutions into one of the top five ATM companies in the country before making their 7-figure exit. He focuses on people, relationships, and strategy. Over the years, he has built a strong network and gained deep investing knowledge from both hands-on experience and high-level masterminds.
Michael believes in taking action and making smart moves, not chasing perfection. He’s the kind of person who stands by investors, making sure their interests come first. His approach is simple: find real opportunities, build meaningful connections, and invest with confidence.
"Always pair your goals with action."
Samantha Guthrie
Samantha saw opportunity where others didn’t. When the ATM industry lacked the right tools, she and Michael built their own. With just $2,000, they turned an idea into a business that took them from a 9-to-5 job to full-time entrepreneurship. She created the structure and systems that allowed them to scale, automate, and build real wealth.
Her expertise in real estate and finance complements Michael’s, making Pacific Capital stand out. She brings a depth of wisdom, knowledge, and experience that refines strategies, elevates execution, and drives long-term success.
She brings more than just business structure. She applies life strategies that keep them grounded, focused, and aligned with what truly matters. Her ability to balance precision with purpose is a key part of their success.
"New levels require new thinking."
This is what we stand for.
This is how we do business.
Relationships:
Build connections that create trust and loyalty.
Accountability:
Own our actions, results, and impact.
Integrity:
Choosing what's right over convenience or what's easy.
Transparency:
Be open, honest, and clear.
Our Strategic Advantage
At Pacific Capital, we take a disciplined, data-driven approach to investing and lending. Every investment and loan we make is backed by a tailored business strategy that maximizes returns while mitigating risk.
With decades of experience, strong relationships, and sharp negotiation skills, we get:
Strong collateral and equity protection
Favorable loan-to-value (LTV) ratios and debt coverage requirements
Prime, off market investment opportunities at below-market pricing
Secure better returns for our investors
Our underwriting process includes financial, market, and comparable analysis to assess asset performance, borrower strength, and collateral value. For lending, we ensure conservative loan-to-value (LTV) ratios, strong debt coverage, and clear exit strategies to protect capital. Every deal is backed by a solid business strategy that includes capital improvements, operational efficiencies, and risk management measures.
Most investors rely too heavily on public markets, leaving them exposed to volatility. We help you balance your portfolio with these private assets.
Multifamily
Provides steady cash flow, long-term appreciation, and stability. One of the most reliable wealth-building strategies.
Learn More...
Triple Net
Triple Net (NNN) leasing is one of the most stable, low risk, and passive investment strategies in real estate.
Private Money
Invest in a proven real estate fund and earn passive, consistent returns backed by tangible assets.
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Disclosure: No Offer of Securities—Disclosure of Interests. Under no circumstances should any material at this site be used or considered as an offer to sell or a solicitation of any offer to buy an interest in any investment. Any such offer or solicitation will be made only by means of the Confidential Private Offering Memorandum relating to the particular investment. Access to information about the investments are limited to investors who either qualify as accredited investors within the meaning of the Securities Act of 1933, as amended, or those investors who generally are sophisticated in financial matters, such that they are capable of evaluating the merits and risks of prospective investments.
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