Credit solutions for your business

What can you do with a Commercial Loan1?

With a commercial loan you can obtain financing to expand your business, buy property and/or equipment, and refinance your debts. In addition, we offer you the alternative of obtaining financing with a government guarantee.

A commercial loan is ideal when you need to:

Finance your short-term expenses

  • Pay your seasonal expenses such as taxes, insurance and inventory, among others
  • Conserve your cash flow while covering your emergency and/or unforeseen expenses
  • Pay off your loan in 1 year or less
  • Consolidate or refinance your commercial debts

    • Consolidate and/or refinance with an interest rate that adapts with your needs
    • Obtain cash flow to meet your immediate needs
    • Manage your debts easily in one payment

    Buy machinery or equipment for your business

    • Acquire machinery and/or equipment to optimize the operation of your business
    • Improve the efficiency, reduce costs, and increase production

    Buy or remodel a property

    • Make improvements to your current commercial property or acquire the property that your business needs 
    • Expand your business to increase capacity and productivity 
    • Guarantee your debt with the property you are financing

    With a commercial loan you obtain:

    • Competitive interest rates and convenient payment plans
    • Comfortable automatic debit option
    • Terms for more than a year
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    Our experts will guide you on the possibility of guaranteeing the loan through programs offered by the Small Business Administration (SBA). As an SBA-accredited preferred lender we offer term-loan alternatives of up to $5,000,000 with a guarantee starting at 50%2.

    What is a Line of Credit1 and what advantages can you obtain?

    The line of credit is a type of financing that gives you access to a certain amount of funds in case you need cash and provides you with the convenience of being able to access the funds when necessary. In addition, we offer you the alternative of obtaining financing with a government guarantee.

    A line of credit is ideal when you need to:

    Increase your cash flow

    • Meet the needs of your business without affecting your current cash flow
    • Pay interests for the amount used

    Finance your inventory

    • Cover short-term expenses
    • Keep your inventory active and stocked

    With a line of credit you obtain:

    • Financing for working capital
    • Generally revolving credit, that matures every 12 months
    • Pay interest over the amount used
    • Comfortable automatic debit option
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    In addition, we have a line of credit tied to your commercial account1 that offers you:

    • Cash flow availability to cover expenses3
    • Protection against checks without funds, late payments and unexpected fees3
    • Convenient automatic fund advances in your business account3

    Our experts will guide you on the possibility of guaranteeing the line of credit through programs offered by the Small Business Administration (SBA). As an SBA-accredited preferred lender we offer line of credit alternatives of up to $500,000 with a guarantee starting at 50%2.

    What can you do with a Commercial Credit Card

    Commercial credit cards provide a revolving line of credit that allow you to separate personal expenses from your business expenses. In addition, you could earn points for your business purchases and redeem them for a variety of prizes through the PREMIA® program4.

    A commercial credit card is ideal when you need to:

    Increase your cash flow

    Keep your personal expenses separated

    Expand your credit

    Cover short-term operational expenses

    With your credit card you obtain:

    • Interest from 12.74% to 25.74%
    • Credit limits start from $2,000
    • You get rewarded for carrying out the daily transactions of your business through the PREMIA® program4
    • Easy management of your card with the Commercial Credit Card Manager tool5

    Need more information?

    Call

    Call us at 787.756.3939 or 1.855.756.3939 to speak with an expert.

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    Complete this form and an expert will contact you.