Looking to Raise Capital to Expand Your Puerto Rico Business? Here’s How You May Be Able to Get Up to $10 Million in Loans
Puerto Rico is fast becoming a hub for ambitious entrepreneurs and growing businesses. Whether you're scaling operations, investing in equipment, or expanding your team, one thing is certain: you need capital to grow. The good news? There are diverse financing options that can get you up to $10 million to fuel your next stage.
Here’s a breakdown of the top funding options available through Invest Caribbean for established businesses in Puerto Rico including in the cannabis sector:
1. Business Term Loan
Perfect for businesses seeking flexibility and larger loan amounts.
Funding: Up to $10 Million
Terms: 1–2 years
Payments: Weekly or Monthly
Perks: No prepayment penalties, refinance up to 2 loans, may report to business credit
Qualify if:
2+ years in business
600+ FICO score
$500K in annual sales or $40K monthly deposits
Business bank account
2. SBA Loan
Ideal for long-term, low-interest financing.
Funding: Up to $5 Million
Terms: 10–25 years
Rates: Prime + 1–2.75%
Perks: Reports to business credit bureaus, no prepayment penalties
Qualify if:
2+ years in business
660+ FICO score
$40K/month deposits or $500K annual sales
No bankruptcies/liens/foreclosures in last 3 years. Apply Now
3. Business Advance
Need cash fast? This one’s for you.
Funding: Up to $10 Million
Terms: 6–24 months
Payments: Daily/Weekly/Monthly
Perks: Same-day funding, early payoff discounts
Qualify if:
1+ year in business
No minimum FICO
$500K in annual sales or $40K/month deposits. Apply Now
4. Business Line of Credit
Great for businesses with fluctuating capital needs.
Line Size: Up to $750,000
Perks: Only pay for what you use, funds replenish as you repay
Qualify if:
1+ year in business
600+ FICO
$500K in annual sales or $40K/month deposits. Apply Now
5. Subordinate Debt (Sub Debt)
A funding boost behind your main lender — no equity needed.
Funding: Up to $10 Million
Terms: 1–2 years
Rates: Starting at 15%
Perks: No collateral, no warrants, no covenants
Qualify if:
1+ year in business
600+ FICO
$1 Million in annual sales. Apply Now
6. Equipment Financing
For purchasing or leasing machinery and tech.
Funding: Up to $5 Million
Terms: 1–5 years
Rates: Starting at 7%
Perks: 100% financing, works for vendor & private sales
Qualify if:
1+ year in business
550+ FICO
Business bank account and invoice. Apply Now
7. Inventory Line of Credit
A smart move for inventory-heavy businesses.
Facility Size: $100K–$10 Million
Perks: Revolving credit, up to 85% financing of inventory
Qualify if:
1+ year in business
$1 Million in annual sales
$1 Million in current inventory. Apply Now
8. Accounts Receivable (A/R) Line of Credit
Leverage your unpaid invoices for fast cash.
Facility Size: $100K–$100 Million
Perks: Up to 95% financing on current A/R, revolving structure
Qualify if:
1+ year in business
$1 Million in annual sales
$250K+ in short-term A/R
Ready to take the next step?
Funding your expansion doesn't have to be complicated or time-consuming. Whether you're in tech, manufacturing, tourism, or retail — there's a capital solution tailored for your growth.
Start your application today: Apply here