Introducing ATO PRIME

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.

Not in Puerto Rico? Go ahead and apply. We’ll do our best to help you find similar funding in your country.

What Is ATO PRIME?

ATO PRIME is a funding initiative offering revenue-based financing (RBF) to small businesses. It is designed to help you significantly increase your revenue and, in return, share a small, limited amount of that revenue with the team that provided expertise and funding. That means:

No equity dilution
No rigid monthly repayments
No Interest
No fees
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.

When you succeed, we succeed…. but if you fail, we take on the downside risk.

How It Works

In addition to expert consulting services, key business introductions and access to other valuable resources designed to help ensure your success, ATO PRIME features include:

Support from our team of experts and those in our network to help you execute on your growth plans!
Between $5,000 and $50,000 (up to $250,000 total) in investment financing.
A grace period of 3 to 6 months before repayments begin.
Afterward, for a limited time, you pay between 5% and 8% of your monthly revenue, depending on your margins (it’s designed to ensure you can keep growing!)
The full amount plus investment multiple is expected to be repaid within 2 to 4 years, depending on performance.

Investment is provided by individuals who care about small business success in your community. They win when you win, so we work hard to make sure you achieve your goals.

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 (If not, apply anyway, and we’ll try to help)	Your business is outside PR (Apply anyway, and we’ll try to help)
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 or general business expenses

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.?

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.

Risk-Reward Profile of Capital (5=High, 1=Low)
	Early Stage Equity VC	Early Stage RBF VC ATO PRIME	Alternative Loan	Traditional Loan	Public Markets
Available for Small Business	No	YES	YES	No	No
Risk to Entrepreneur	1	1	3-4	4	3
Cost to Entrepreneur	4	2-3	2-3	1-2	3
Risk to Investor	5	3	2	1	1
Potential ROI for Investor	5	3	2	1	2

Ready to Apply?

We’ve made the process simple and transparent. Click below to submit your application.