Puerto Rico businesses can access many of the same revenue-based and working-capital products as mainland businesses, reviewed on deposits, time in business and bank activity. Availability depends on the funder reviewing the file.
Check my optionsLocal funding
Puerto Rico businesses can use most of the same private funding products as mainland companies, with a few extra paperwork details around local banks and tax filings.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
You can apply at 500; stronger credit opens more products.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Revenue-based funders review bank statements from your operating account, whether it is with a local bank or a mainland institution. What matters is consistent deposits in the business name, a balance that stays positive and a clear record of existing obligations.
Local banks and cooperatives can offer lower rates but often ask for collateral, financial statements and Hacienda filings, and approvals can take weeks. Private funding trades some cost for speed, which helps when inventory, a generator repair or payroll after a storm cannot wait.
Many island owners pair the two: a fast advance or line to handle an immediate gap, then a slower bank or SBA product for long-term equipment or real estate. Keep the business and personal accounts separate so both kinds of lenders can read your history easily.
Owners on the island should also plan around shipping and supply timing. Inventory that arrives by ocean freight may need to be paid for weeks before it reaches shelves, so a funding request tied to a specific container or supplier order, with its arrival date, is easier for an underwriter to evaluate than a general request.
This is how a revenue-based offer might be priced for a Puerto Rico retailer or restaurant. Figures are illustrative.
| Amount funded | $25,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $33,750 |
| Fees deducted at funding (4%) | $1,000 |
| Net cash you receive | $24,000 |
| Weekly payment over 32 weeks | $1,055 |
| Same total as daily debits (~160 business days) | $211/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Operating account | Business name, 3–6 months of statements |
| Tax ID | EIN; Hacienda registration if applicable |
| Ownership | ID for owners with 50% or more |
| Existing obligations | Cooperative or bank loans and any advances |
| Use of funds | Inventory, repairs, payroll or expansion |
Good fit:
Probably not yet:
Yes. Funders that operate in Puerto Rico review the same core items: business bank statements, ownership ID and existing obligations.
Revenue-based funders usually work from bank statements, while banks and SBA lenders typically ask for tax filings. Have both ready if you plan to compare.
Not automatically. Disclose it so the funder can confirm the combined payments fit your deposits.
With a complete file, decisions can come the same day and approved funds typically arrive the next business day, subject to bank processing.
Yes, local development banks, cooperatives and SBA resources serve island businesses. They are usually slower but can be cheaper for long-term needs.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding