Funding Options
BBPR offers creative and accessible funding pathways for buyers, investors, and partners. We are committed to making real estate investment and homeownership achievable for Puerto Ricans both on and off the island.
Our funding support includes:
Rent-to-Own Programs with rent credits applied to purchase
Investor Partnership Opportunities with equity or revenue share models
Credit education and referral partners for mortgage pre-approval
Assistance with using business credit or VA loan qualifications
Guidance on grants or nonprofit-backed housing support
We believe in breaking down financial barriers to build up generational wealth.
Funding Options for LLC holders (Business Funding for Purchases or Business Investments)
Here’s a breakdown of the 2025 LNS Product List and their lending programs, along with required documentation:
🔐 General Documentation Requirements
(For SBA, Term Loan, or LOC)
Submit all deals to: info@realprtravel.com
Application (User Form Registration)
Last 2 Years Business Tax Returns
Last 2 Years Personal Tax Returns
Business Debt Schedule
Last 6 Months Business Bank Statements
💼 SBA Loans
SBA 7a
Loan Size: $10,000 – $5,000,000
Terms: 10 & 25 years amortization, no balloon
Use: Working capital, leasehold improvements, business expansion/acquisition, partner buy-out, debt refinance
SBA 504
Loan Size: $500,000 – $10,000,000
Use: Purchase, refinance, or construction of owner-occupied commercial real estate
Perk: Lower fixed rate than 7a loan
SBA Express Line of Credit (LOC)
Amount: $50,000 – $250,000
Structure: 3-year revolving + 7-year term-out
Rates: Prime + 6%–6.5%
Note: Must be existing 7a borrower or paired with a 7a loan. LOC max = 20% of 7a amount
🔄 Lines of Credit
ABL LOC (Asset-Based Lending)
Amount: $500,000 – $5,000,000
Rates: Prime + 2%–5%
Collateral: Inventory/Receivables (UCC 1st position)
Advance Rates: 85% on receivables, 50% on inventory
C&I LOC (Commercial & Industrial)
Amount: $50,000 – $500,000
Rates: Prime + 2%–5%
Term: 1-year revolving, renewable annually
📉 Term Loans
C&I Term Loan
(Rate Sensitive Clients)
Amount: $50,000 – $5,000,000
Terms: 3, 5, or 7 years
Rates: Fixed, based on Treasury + spread
🏢 Real Estate Loans
Commercial Real Estate Investor Loan
Amount: $50,000 – $5,000,000
Term: 10 years (Two 5-year fixed periods)
Amortization: Up to 25 years
LTV: Max 65%
DCR: 1.25 minimum
Use: Acquisition only
🧾 Alternative Lending Program (ALP)
Max Loan: $15,000,000
Use: All business purposes
Amortization: Based on collateral, not purpose
🏡 HELOC (Home Equity Line of Credit)Required:
Property address, client contact info
Purchase price & estimated value
2 years personal tax returns, W-2s, 2 paystubs
Copy of ID, mortgage statement, home insurance
🛠️ Equipment Financing
Required:
Application, 3 months bank statements
Copy of ID
Equipment invoice