Serving Puerto Rico and the United States
Business Financing, SBA Loan Preparation & Business Plans
Helping entrepreneurs and established businesses prepare, structure and access capital throughout Puerto Rico and the United States.
20+ years
Commercial transaction experience through founder Joe Maldonado
PR + U.S.
Bilingual advisory across Puerto Rico and the mainland
Multiple channels
SBA, bank, equipment, real estate, factoring and bridge sources
End to end
Advisory from preparation through submission and follow-through
Preliminary Funding Assessment
Let's Find the Right Funding Strategy
Answer a few quick questions in four steps. We review your profile and identify which financing paths may be worth exploring for your business in Puerto Rico or the United States.
- Serving Puerto Rico and the United States
- 20+ Years of Commercial Transaction Experience
- Business Plans, Financial Projections & Access-to-Capital Advisory
- Multiple Financing Channels
- Bilingual Support
Financing Solutions
Capital channels we help clients pursue
Different needs call for different structures. We help you identify the realistic options before an application is made, then prepare the request properly.
SBA Loan Preparation
7(a), 504 and Microloan packages prepared for participating lenders.
Learn moreWorking Capital & Lines of Credit
Operating capital for payroll, inventory and seasonal gaps.
Learn moreEquipment Financing & Leasing
Machinery, vehicles and build-outs financed against the asset.
Learn moreCommercial Real Estate
Owner-occupied purchases, construction and improvement projects.
Learn moreBusiness Acquisition
Buying a business or a partner's interest, documented for underwriting.
Learn moreFactoring
Turn commercial invoices into working capital when terms are long.
Learn moreBridge & Short-Term
Interim capital with a documented exit strategy.
Learn moreFranchise Financing
Unit financing packages built from the FDD and your territory.
Learn moreStartup Financing
First-time financing preparation for new and early-stage businesses.
Learn morePlans & Projections
Business plans and financial projections lenders can work from
Most declines trace back to an incomplete or inconsistent file rather than a weak business. We build the narrative and the numbers together, so the plan and the model never contradict each other.
- Executive summary written for a credit reader
- Market and competitive analysis specific to your service area
- Use of funds with a sources and uses statement
- Three-year P&L, cash flow and balance sheet, monthly in year one
- Written assumptions supporting every major line item
- Break-even and debt service coverage analysis
SBA Preparation
SBA loan preparation and submission support
SBA loans are made by participating lenders under programs guaranteed by the U.S. Small Business Administration. OCS prepares the plan, projections and documentation — we are not the SBA and we do not approve loans.
SBA 7(a)
The most flexible program: working capital, equipment, acquisitions, expansion and owner-occupied property.
Preparation detailsSBA 504
Long-term fixed-asset financing for owner-occupied commercial real estate and heavy equipment.
Preparation detailsSBA Microloan
Smaller capital needs, frequently used by startups and very small operators through intermediaries.
Preparation detailsOCS provides SBA loan preparation and submission support. We are not the U.S. Small Business Administration and we do not approve loans. SBA program eligibility, terms and approval are determined by participating lenders and the SBA.
Franchise
Franchise financing, prepared around the brand's own numbers
Franchise requests need more than brand recognition. Lenders want projections grounded in the Franchise Disclosure Document, a complete project budget including working capital, and a documented equity injection.
- FDD-based initial investment and Item 19 analysis
- Full project budget: fee, build-out, equipment, inventory, reserves
- Royalties and ad fund contributions modeled into projections
- Single-unit and multi-unit development planning
Process
How OCS works
A defined sequence, so you always know what stage you are in and what comes next.
- 01
Funding Assessment
A structured review of your business, credit, equity, collateral and objective — and an honest read on what is realistic.
- 02
Strategy & channel selection
We compare the capital channels that fit on cost, speed, documentation burden and risk before anything is submitted.
- 03
Preparation
Business plan, three-year projections, sources and uses, and the full document checklist, reviewed for consistency.
- 04
Submission support
The package goes to appropriate capital sources. We help answer underwriting questions and keep the file moving.
- 05
Decision & next steps
We help you read the terms before signing — or review the reasons and the realistic path forward if the answer is no.
Joe Maldonado
Founder, Optimum Capital Services
- 20+ years of commercial transaction experience
- Background in commercial banking
- Independent consulting practice since 2007
- Works bilingually in English and Spanish
Authority
Experience on both sides of the table
Having worked inside commercial banking, Joe understands how a credit file is read: which questions get asked first, where an underwriter loses confidence, and what documentation resolves an objection before it becomes a decline.
That perspective shapes the practice. Rather than submitting quickly and hoping, OCS front-loads preparation so the request arrives complete — and tells you honestly when a request is not fundable as structured.
"Transparency, clear communication and protecting the client's interest. If a deal does not serve the business, the right answer is to say so."
Our Experience
Businesses & Projects We've Supported
Over the years, Optimum Capital Services has supported entrepreneurs, established businesses and franchise operators across a wide range of industries in Puerto Rico and the United States.
Selected businesses and projects previously supported by Optimum Capital Services. Company names, logos and trademarks are the property of their respective owners. Their inclusion is for identification and portfolio purposes and does not imply endorsement.
FAQ
Questions business owners ask us first
Clear answers about what OCS does, what it does not do, and how financing preparation works.