FAQ
Frequently Asked Questions
Straight answers about financing preparation, SBA programs, business plans and how we work.
The short answer
Optimum Capital Services prepares business owners to pursue commercial financing: business plans, financial projections, SBA loan preparation and access-to-capital advisory across Puerto Rico and the United States. We are not a lender. The questions below cover what we do, how the process works, and what we can and cannot promise.
Reviewed by Joe Maldonado, OCS founder and former commercial banker with more than 20 years of commercial transaction experience.
About the firm
OCS is a business consulting and access-to-capital advisory firm. Founder Joe Maldonado has more than 20 years of commercial transaction experience, including commercial banking, and has run his consulting practice since 2007.
Before you contact us
- Know roughly how much capital you need and what it will be used for
- Have a sense of your credit range and available equity
- Gather recent financial statements or tax returns if the business is operating
- Be ready to discuss your experience in the industry
Related pages
Optimum Capital Services, LLC. is a business consulting and access-to-capital advisory firm. We are not a bank, direct lender or government agency. All financing is subject to third-party lender approval and program eligibility.
FAQ
Frequently asked questions
Start with a Funding Assessment
Share your business situation and we will walk you through which capital options are realistic, what documentation lenders will expect, and how to prepare a stronger submission.
OCS is an advisory firm. Financing is subject to third-party lender approval and program eligibility.