Online revenue-based funders review bank statements and decide in a day instead of months; availability depends on the funder.
Check my optionsLocal funding
Puerto Rico businesses often face slow bank processes and limited local lending options. Revenue-based funding, approved on bank deposits, can provide working capital within days while longer-term financing is explored.
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.
A human reads the file, not just an algorithm score.
You can apply at 500; stronger credit opens more products.
Advances, lines of credit and second-position options in one place.
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.
Bank lending on the island has historically been concentrated among a small number of institutions, and many small businesses report long timelines and strict criteria. Hurricane recovery, energy costs and import logistics add pressure on cash flow, particularly for restaurants, retailers, contractors and tourism-related businesses whose revenue swings with the season and with events.
Revenue-based funding works differently. A funder reviews several months of business bank statements from a U.S.-regulated bank account, checks deposits, balances and existing payments, and considers personal credit from 500. Decisions can come the same day and funding as soon as the next business day once documents are complete, which can matter more than a lower rate when a supplier order or repair cannot wait.
The process can be handled in Spanish or English. Through MFE, one application reaches multiple funders, and owners can ask questions and review terms in Spanish. Ask for the total payback, payment amount and frequency, and whether early-payoff discounts at 30, 60 or 90 days are available.
Longer-term and lower-cost options remain worth pursuing for planned investments: SBA lenders operating in Puerto Rico, local cooperativas, and CDFIs or government development programs. A common approach is to use fast capital for the immediate need and work toward these options for the larger, longer projects.
Island businesses should also consider currency and banking details. Most Puerto Rico businesses bank in U.S. dollars with banks subject to U.S. regulation, which keeps funding straightforward, but owners who receive payments from outside the U.S. should explain those deposits so underwriters can verify them.
Energy and logistics costs on the island can make cash planning harder. Building a reserve for generator fuel, shipping delays and power interruptions, and timing funding before peak seasons, reduces the chance of needing emergency capital at a bad moment.
A Puerto Rico business with steady deposits might see an offer like this. Illustrative numbers.
| Amount funded | $40,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $50,000 |
| Fees deducted at funding (4%) | $1,600 |
| Net cash you receive | $38,400 |
| Weekly payment over 44 weeks | $1,136 |
| Same total as daily debits (~220 business days) | $227/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Revenue-based funding | Days, on deposits, credit from 500 |
| Local banks | Lower cost, slower, stricter |
| Cooperativas | Member-based lending |
| SBA lenders on the island | Long-term, documentation-heavy |
| Development programs | Mission-driven, slower |
Good fit:
Probably not yet:
Yes, funders review deposits in your business bank account.
Often a same-day decision and funding the next business day with complete documents.
Yes, MFE serves owners in Spanish and English.
Generally yes; it trades cost for speed and access.
Yes, through participating lenders.
Options begin at 500.
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