Programa 504

  • Préstamos desde $125,000 hasta $5,500,000, en participación con la banca privada.
  • Dirigido a negocios ubicados en Puerto Rico o Islas Vírgenes Americanas que necesiten financiamiento de activos fijos a largo plazo.
  • Enfocado a adquisición de terrenos, construcción, adquisición y/o remodelación de edificios comerciales, compra de maquinaria y equipo con vida útil de 10 años o más.
  • Orientado a fomentar la creación de empleos.
  • En general, la banca privada aporta el 50% del costo de proyecto y COFECC de un 35% a un 40%.
  • El cliente aportará el 10% en negocios que lleven operando más de dos años y el 15% en negocios nuevos.
  • La participación de COFECC tendrá plazos de 10 o 20 años a intereses fijos.
  • Colateral puede ser requerido de acuerdo al riesgo y viabilidad del negocio a ser financiado.

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