Small Business Resources
Puerto Rico entrepreneurs and small-business owners can access federal loans, disaster relief, technical assistance, and contracting opportunities through the U.S. Small Business Administration (SBA) and local partner organizations on the island.
Small Business Administration (SBA) Loans
SBA-backed loans help small businesses start, grow, or recover after setbacks. Programs include:
7(a) Loans for working capital and expansion
504 Loans for major fixed assets like buildings or equipment
Microloans for startups and very small firms
Disaster Loans for physical damage or economic losses after hurricanes or other emergencies
How to apply: Apply online through SBA’s loan portal or work with an SBA-approved lender in Puerto Rico.
📍 The SBA Puerto Rico District Office provides local guidance, referrals to lenders, and disaster-assistance help.
Address: U.S. Federal Building, 525 Avenida Carlos Chardón, Suite 406, San Juan, PR 00918
Phone: (787) 766-5572 | Visit the SBA District Office for more information.
Business Counseling & Technical Assistance
In addition to financing, entrepreneurs in Puerto Rico can receive free or low-cost business advising, workshops, and help preparing loan applications through SBA-supported partners.
Puerto Rico Small Business Development Center (PR-SBDC) provides confidential one-on-one counseling, business-plan development, and financial projections.
How to apply: Visit prsbdc.org to request counseling or find the nearest center.
SCORE Puerto Rico provides free coaching to startups and established businesses.
How to apply: Request a mentor or register for workshops at score.org
Economic Development & Grant Opportunities
Puerto Rico businesses may also qualify for planning grants, workforce-development funds, and infrastructure-related programs through federal economic-development agencies.
Economic Development Administration (EDA) supports business growth and job creation through grants to local governments, nonprofits, and regional partnerships that benefit private enterprises.
United States Department of Agriculture Rural Development (USDA-RD) provides loans and grants for rural small businesses, manufacturers, and entrepreneurs across Puerto Rico.
How to apply: Contact the Puerto Rico USDA Rural Development Office for more information.