FORTUNA CAPITAL™

Invoice Factoring Solutions

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Get Paid Today, Not in 90 Days

Puerto Rico's trusted invoice factoring partner. Turn your unpaid invoices into immediate cash-flow.

Get Started Today

80%

Advance Rate

24hrs

Funding Speed

$10k

Starting Credit Line

How It Works

Submit Your Invoices

Choose which invoices you want to factor. We'll verify them with your customers using our simple Schedule of Accounts process.

We Verify & Approve

We send an Invoice Verification Request to your customer to confirm delivery and amount. Decisions typically within 24 hours.

Get Your Cash

Receive 80% of your invoice value via ACH direct deposit within 1-2 business days. Get your rebate when your customer pays.

Clear, Simple Pricing

What You Pay:
Base Fee	2% of invoice value
Weekly Fee	+1% per week until paid
Advance Rate	80% upfront
Reserve (held for security)	3% of invoice value
Application Fee	$0

Early Payment Rebate

If your customer pays before 15 weeks, you get a rebate on the difference between the weekly fees charged and what would have been charged if they had taken the full 15 weeks. The faster they pay, the more you save!

Example: $1,000 invoice paid in week 3 = $50 total fee (2% + 1% + 1% + 1%).

Why Choose Fortuna Capital

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Full Recourse Factoring

We work with you if your customer has payment difficulties. Our structured recovery process ensures fairness for both parties

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Choose Your Invoices

No minimum volume requirements. Factor one invoice or many—you decide what makes sense for your cash flow.

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Professional Customer Relations

We handle all communications professionally through verified notices and documentation, protecting your business relationships.

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Flexible Terms

12-month initial term with automatic renewal. Month-to-month flexibility after the first year.

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Puerto Rico Based

Located in San Germán, we understand the local business environment and serve clients throughout Puerto Rico.

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Credit Based on Your Customers

Approval depends on your customers' creditworthiness, not yours. We evaluate their ability to pay.

Your Path to Funding: 7-10 Days

From first contact to first funding, here's exactly what to expect in our streamlined process.

Initial Contact & Discovery Call

Submit your information through our contact form. We'll call you within 24 hours to discuss your business, customers, and cash flow needs. No commitment required.

Preliminary Review

We review your basic documents: business license, aging reports, and customer information. We'll verify your business standing and check for any existing liens.

Due Diligence & Customer Verification

We conduct background checks, UCC searches, and verify your customers' creditworthiness. This protects both of us and ensures smooth collections.

Agreement Review & Signing

We present your customized factoring agreement. Review the terms, ask questions, and sign electronically when you're ready.

Account Setup

We file the UCC-1, send professional Notices of Assignment to your customers, and set up your account in our system.

Submit & Get Funded

Submit your first invoices. We verify them with your customers, and you receive your advance within 24 hours via ACH. Then factor additional invoices anytime you need cash.

We Grow With Your Business

We start with prudent limits to ensure quality service and build a strong partnership. As we work together and understand your business, your credit lines grow with your needs.

Initial Credit Line

$10,000

We start here to build a strong relationship and ensure excellent service from day one

Per Customer Limit

$3,000

Diversified approach protects your cash flow and reduces concentration risk

Growth Potential

Unlimited

Credit lines increase as our partnership develops and we understand your business better

Timeline to Increase

3-6 Months

After demonstrating consistent performance, we review and expand your credit limits