About OCS
About Optimum Capital Services
A consulting practice built around one idea: most financing problems are preparation problems.
The short answer
Optimum Capital Services is a business consulting and access-to-capital advisory firm serving Puerto Rico and the United States. We develop business plans and financial projections, prepare SBA and conventional financing submissions, and advise owners on which capital structures realistically fit their situation. We are not a bank, lender or government agency.
Reviewed by Joe Maldonado, OCS founder and former commercial banker with more than 20 years of commercial transaction experience.
20+ years of transactions
Founder Joe Maldonado has more than two decades of commercial transaction experience, including commercial banking.
Independent advice
We do not sell franchises or receive brand referral fees for steering you to a program.
Bilingual practice
Full service in English and Spanish across Puerto Rico and the mainland.
Preparation first
We build the file before we talk to anyone about submitting it.
What we do
- Business consulting for owners planning growth, acquisition or a new venture
- Business plan development for bank, SBA, franchise and investor audiences
- Three-year financial projections with documented assumptions
- SBA loan preparation for 7(a), 504 and Microloan requests
- Commercial financing advisory across equipment, real estate, working capital, factoring and bridge channels
- Financing readiness reviews before an owner approaches a lender
Our values — what makes us different
- Transparency: you see the real numbers, the real obstacles and the real options — never a sales pitch dressed as advice.
- Client interests first: we evaluate multiple capital channels and explain the trade-offs, rather than steering you toward a single product.
- Preparation before submission: a complete, credible file is worth more than a fast, weak one.
- Candor: if a request is not fundable as structured, we say so early and outline what would change the answer.
- Education: you leave every engagement understanding the process, not just the outcome.
How we operate
Our practice began in 2007 and has been built on repeat relationships and referrals rather than volume marketing. Every engagement is reviewed personally by the founder.
We are direct about what we see. If a request is not fundable as currently structured, saying so early saves months and protects your credit profile from unnecessary inquiries.
What we will not do
- Promise approval, a rate, a term or a funding timeline
- Present ourselves as a lender, bank or the SBA
- Submit a package we know is incomplete
- Push you toward high-cost capital without explaining the true cost
Who we serve
Startups preparing their first financing request, established companies expanding, buyers acquiring an existing business, franchisees opening a unit, and owners purchasing the property they operate from — across Puerto Rico and the United States.
Related pages
Optimum Capital Services, LLC. is a business consulting and access-to-capital advisory firm. We are not a bank, direct lender or government agency. All financing is subject to third-party lender approval and program eligibility.
Our Experience
Experience Across Multiple Industries
For more than two decades, Optimum Capital Services has worked with entrepreneurs and established businesses on business planning, financial projections, financing preparation and access-to-capital strategies. Our experience spans multiple industries, business models and stages of development.
20+ Years
Commercial transaction experience
Puerto Rico + United States
Markets served
Multiple Industries
Business models & sectors
Business Plans
Financial projections & financing advisory
Sunspace
Solar Energy
- Puerto Rico
- Commercial Financing / Equipment Acquisition
Services Provided
- Commercial Financing Preparation
- Business Plan
- Business Development Consulting
- Equipment Financing Advisory
- SBA Loan Preparation
Making Power Enterprise
Renewable Energy
- Puerto Rico
- Business Development
Services Provided
- Business Development Consulting
Keu
Prefabricated Housing / Short-Term Rental Projects
- Spain, U.S. Virgin Islands, Puerto Rico & United States
- Project Development & Financing Advisory
Services Provided
- Business Development Consulting
- Access-to-Capital Advisory
- Commercial Real Estate Financing Advisory
Motorambar
Automotive
- Puerto Rico
- Business Development Training & Consulting
Services Provided
- Business Development Training
- Business Development Consulting
Kia
Automotive
- Puerto Rico
- Business Development Training & Consulting
Services Provided
- Business Development Training
- Business Development Consulting
Nissan
Automotive
- Puerto Rico
- Business Development Training & Consulting
Services Provided
- Business Development Training
- Business Development Consulting
Foundation for Puerto Rico
Nonprofit Organization
- Puerto Rico
- Business Consulting & Enterprise Development
Services Provided
- Business Development Consulting
Mercy Corps
Nonprofit Organization
- Puerto Rico
- Business Consulting & Enterprise Development
Services Provided
- Business Development Consulting
Emerald Tax & Accounting
Tax & Accounting Services (Franchise)
- Puerto Rico
- Franchise Development / Commercial Financing
Services Provided
- Business Plan
- Commercial Financing Preparation
- Business Development Consulting
Marco's Pizza
Restaurant / Food Service (Franchise)
- Puerto Rico
- Franchise Acquisition / Startup
Services Provided
- Business Plan
- Commercial Financing Preparation
- Access-to-Capital Advisory
Roof Logix
Roofing / Home Services
- Florida, United States
- Business Development & Financing Advisory
Services Provided
- Business Development Consulting
- Access-to-Capital Advisory
Microsoft
Technology
- Puerto Rico
- Business Development Training & Consulting
Services Provided
- Business Development Training
- Business Development Consulting
Optimum Commercial Real Estate
Commercial Real Estate
- Florida, United States
- Business Plan & Commercial Financing
Services Provided
- Business Plan
- Commercial Financing Preparation
POS Clover Puerto Rico
Point-of-Sale Systems
- Puerto Rico
- Business Plan & Commercial Financing
Services Provided
- Business Plan
- Commercial Financing Preparation
Widubiz
Marketing Consulting
- Puerto Rico & Florida
- Business Plan & Commercial Financing
Services Provided
- Business Plan
- Commercial Financing Preparation
Açaí Express
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Antonino's Pizza
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Butaque
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Dr. Bizarro
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Friend's Cafe
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
La Pachanga
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Paletados
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Pizzella
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Sabor Frappé
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Tasty Lemon
Franchise
- Florida, United States
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Tijuana's Bar & Grill
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Tostao
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Wings & Fries Co.
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Yabuuchi Sushi
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
The Taco Maker
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Juan Valdez Café
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
Wahlburgers
Franchise
- Puerto Rico
- Franchise Development
Services Provided
- Business Plan
- Financial Projections
- Commercial Financing Preparation
- Franchise Financing Advisory
- Access-to-Capital Advisory
- Business Development Consulting
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
Frequently asked questions
Start with a Funding Assessment
Share your business situation and we will walk you through which capital options are realistic, what documentation lenders will expect, and how to prepare a stronger submission.
OCS is an advisory firm. Financing is subject to third-party lender approval and program eligibility.