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Puerto Rico
US Virgin Islands
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Success stories
Planning and innovation drive Sustech’s success
Ángel Vázquez, founder of Sustech, shares his inspiring story—a story still unfolding.
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Success stories
Teamwork and perseverance are the key to new action aluminum’s Success
With their focus and teamwork, Ana and Jonathan are an example of how to do business in Puerto Rico.
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Success stories
Evinmotors is more than fun; respect and customer service are at its core
Evinmotors was founded as a business dedicated to adventure, fun, and a commitment to its customers.
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Success stories
The key to retail group’S Success: innovation and perseverance
Read the story of Milagros Cabrera, who went from being a psychologist to a successful CEO in merchandising.
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COMMERCIAL CREDIT
You roll up your sleeves for your business. We do the same for you.
Our commitment is to provide the support you need to achieve your goals.
Discover the financing options available for your business.
COMMERCIAL CREDIT
Commercial Loans
Expand your business or acquire equipment with flexible financing options.
Benefits:
General Terms:
COMMERCIAL CREDIT
Lines of Credit
Access funds for recurring and unexpected expenses, working capital, reserves, inventory, financing accounts receivable, and payroll.
Benefits:
General Terms:
Overdraft Protection Credit Line: A line of credit linked to your business account that helps cover overdrafts when funds are insufficient and allows cash advances without the account going into overdraft.
COMMERCIAL CREDIT
Credit cards
Manage your business expenses with control and efficiency.
Benefits:
General Terms:
COMMERCIAL CREDIT
SBA-Guaranteed Loans
Get the financing you need to establish or grow your business.
TUTORIALS
How do I apply for financing online?
Learn how to apply for business financing. Apply from wherever you are!
Success stories
These local entrepreneurs have carved out their own success stories. Watch these videos to find out how they told themselves, “Yes, I can,” and achieved their goals.
Learning center
There's always something new to learn. visit Our learning Center to discover how to achieve your business goals.
LEARNING CENTER
How to know if you need financing?
At some point, every business looks into financing to invest in improvements.
LEARNING CENTER
How to obtain commercial financing?
If you're expanding or investing in your business, you may need financing.
LEARNING CENTER
504 vs 7a (SBA Loans)
If your company has revenue of $5 million and a net worth under $15 million, this is for you.
LEARNING CENTER
How can good credit help your business?
Tips and insights on how to maintain good personal and business credit
LEARNING CENTER
What types of financing are available for Small And Medium-Sized Businesses?
If you're expanding or investing in your business, you may need financing.
Required documents to apply for commercial credit**
- Financial statements or tax returns for all legal entities, including affiliates and/or subsidiaries, for the last 3 fiscal years
- Tax returns for all individuals associated with the financing for the last 3 fiscal years
- Projections with assumptions (new business or expansion)
- Personal Financial Statement
- Interim Financial Statements if 6 months of the fiscal year have already passed
- Business bank statements (minimum of 6 months)
- Financial statements or tax returns for the last 2 years of the ongoing business to be acquired
Term loans
- Purchase of owner-occupied properties or Business Key
- Purchase agreement or letter of intent
- Equipment acquisition or improvements
- Invoice, purchase order, or quotations
- Investment property purchase
- Lease agreements drafts and rent rolls
Lines of credit
- Accounts Receivable Report (no more than 30 days old at time of submission)
- Recent Work on Hand Report (construction/no more than 30 days old at time of submission)
Frequently asked questions
How can I contact customer service?
If you are a business customer and need assistance by phone, you can contact us at 787-620-PYME (7963)*.
Business customer service is available 24/7 except on holidays.
Business customer service is available 24/7 except on holidays.
Can I apply online for a business loan, line of credit, or credit card?
Yes, you can apply online here for a business loan, line of credit or credit card.
What's a Small Business Administration (SBA) loan?
Will I need to pay for the property appraisal?
Yes, the evaluation fees are part of the initial costs. Additionally, it can entail closing costs that include elements such as flood certificate, title search and presentation fees. Loan fees vary and you will be provided with a detailed list of all fees before closing. The appraisal process is important for the client, and must be completed prior to loan closing.
I started my commercial credit application online and need help, how can I contact you?
If you need help, call us at 787-777-2021.
Mandatory Disclosures
(*) Commercial customer service is available 24/7, except on holidays.
(**) Additional documents may be required depending on a case-by-case basis.
All financing is subject to credit approval, underwriting criteria, and business qualifications. Certain terms, conditions, and restrictions apply. Products offered by Oriental Bank. Equal Credit Lender.
(1) Depending on the financing amount, collateral may be required. Generally, for transactions under $50,000, no additional guarantees beyond a personal guarantee may be required.
(2) Balloon Loan (non-SBA): Monthly payments will not fully amortize the principal balance. A remaining balance will be due at the end of the term and must be paid, renewed, or refinanced, subject to credit approval.
(3) Annual Review: A periodic review of the credit is conducted to confirm that the customer continues to meet financial and loan requirements. Based on this evaluation, terms may be renewed, modified, or remain unchanged depending on the loan amount and credit profile.
Important Information About Procedures for Opening a New Account
To collaborate with the government in the fight against the financing of terrorism and money laundering activities, federal law requires that every financial institution obtain, verify, and record information that allows identifying any person who opens an account. For you, this means that when you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owner) and to certify that this information is true and accurate to the best of your knowledge.