PRograma para el Refuerzo e Impulso en Mercados Emergentes (Program for Strengthening and Advancing Businesses in Emerging Markets)

Are you a small business owner in Puerto Rico generating consistent revenue — but struggling to access the capital you need to grow? You’re not alone. Traditional bank loans are hard to get, and venture capital simply isn’t designed for most small businesses.

That’s where ATO PRIME comes in. We strengthen businesses in emerging markets by providing the capital and strategic momentum they need to grow and uplift their communities.

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What Is ATO PRIME?

ATO PRIME is a funding initiative offering revenue-based financing (RBF) to small businesses across Puerto Rico. That means:

• No equity dilution.
• No rigid monthly repayments.
• No collateral. 
• No pressure to scale like a tech unicorn.

Instead, you repay with a small percentage of your monthly revenue until you reach a set total. If your revenue slows down, so do your payments. If you grow faster, you repay faster.

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How It Works

• You receive $5,000–$50,000 in funding
• You get a 3–6 month grace period before any repayments start
• Then, you repay 5–8% of your monthly revenue, depending on your margins (It’s designed to make sure you can still grow!)
  
• The repayment total is typically 1.75x to 2.5x your investment, depending on how long it takes to repay the full amount.
• The full amount is expected to be repaid within 2–4 years, depending on performance

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Who Is This For?

ATO PRIME is designed for real businesses that are doing well, but need a boost to reach the next level of revenue. You may be a good fit if you are:

√ Ideal Candidate Traits	Not a Fit If…
Generating at least $5K/month in revenue	You haven’t launched yet
Operating in Puerto Rico	Your business is outside PR
Profitable or close to it	You can’t show real revenue trends
Can show how your use of the investment will directly increase revenue	You’re looking to pay off old debt

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What We Look At

We evaluate businesses based on a combination of financial metrics and growth potential. Some of the key questions we ask:

• Are your revenues increasing over time?
• Do you have a clear plan for how capital will grow your income?
• Are you profitable or close to it?
• Do you have proof of excess demand, such as Purchase Orders (POs), Letters of Intent (LOIs), waiting lists, etc.?

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 Why We Created PRIME

Many small businesses are extremely good businesses with the potential to have real impact in their communities. Yet, most of them are too small for venture capital and too risky for banks. We wanted to create a solution tailored to our local business landscape — one that helps entrepreneurs scale sustainably, without losing control or betting their family home.

At the same time, in order to attract investors, the model needs to offer risk-adjusted returns that can compete with the other investment options they have, such as venture capital or debt financing.  

With ATO PRIME, we’re creating a new class of funding for the businesses that weave the fabric of our economy. At the same time, we are giving those with capital a compelling reason to invest in small businesses.