Business Assistance and Lending

We promote economic self-sufficiency and the quality of life of individuals and communities.

Small and Medium Business Assistance and Lending

PathStone Enterprise Center (PECI) is a PathStone affiliated corporation that fosters multi-state community development. PECI is designated as a Community Development Financial Institution  (CDFI) under the US Department of Treasury. 

PECI’s mission is to improve economic self-sufficiency and the quality of life of individuals and communities through business training, technical assistance and access to financing for new and expanding businesses throughout Puerto Rico.

We provide loans to small businesses and micro businesses with a solid technical assistance program before and after the loan to support the growth of our clients. 

  • Most loans range from $15,000 to $ 60,000 and the terms vary according to the size, purpose, and needs of the borrower. They are usually paid within five years.

  • Term financing with fixed interest can fluctuate between 7.50% and 9.50%.

  • Loans can be used to finance machinery and equipment, materials and inventory, working capital, business expansions, new employee pay, and business establishment costs, among others.

Loan application process

  • You may request your application by calling (787) 658-1640. The application cost is $100.00. Before completing the application you should speak with one of our credit counselors who will guide you to determine if you are eligible.

  • If your company is a new business we require a complete business plan that includes a description of the business, a market study, marketing plan, and a description of the use you will give to the requested loan. Existing businesses must provide us with a short summary of the business plan that describes their current operations and future plans.

  • Your credit history will be one of the factors in making the decision for loan approval.

If you wish to establish your own business or expand your existing business, have the necessary documentation and have had difficulty obtaining the financing you need, contact us. We are PathStone Enterprise Center. We will support you with your business!

For more information on how PathStone Enterprise Center can help you call (787) 658-1640 or visit us at La Rambla Tower 606, Suite 204, Ponce, Puerto Rico.

Si necesita asistencia al tratar de acceder a nuestros servicios debido a una barrera de idioma, problemas de movilidad, problemas visuales o auditivos o alguna otra discapacidad, por favor déjenos saber con anticipación para poder proveerle el acomodo necesario.

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