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Specialty Banking

Small Businesses

Banesco USA offers banking and lending solutions for small businesses in Puerto Rico that have up to $1 million in annual revenue

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Financing to benefit your business

Accounts to manage today’s needs and tomorrow’s ambitions

Capital to operate and pursue business strategies

Financing uniquely structured for small business

Accounts to manage today’s needs and tomorrow’s ambitions

Business Checking

Simplify everyday banking

Easily manage your everyday needs to send and receive payments with a single operating account or multiple accounts for different purposes.

Business Savings

Save and
 maintain liquidity

Set aside reserves in an interest-earning account with the ability to easily access funds whenever needed.

Business Money Market

Transact and earn interest

Earn interest with the flexibility for a limited number of online bill pay, electronic transfer, and check transactions every month.

Business CDs

Grow funds with interest

Build your operating budget and financial forecasts with interest income from a fixed-rate CD for the term you choose.1

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Capital to operate and pursue business strategies

Owner-occupied Mortgage

Own or expand your office space

Invest in the future of your business by building equity in your office, warehouse, or workspace, while potentially lowering your monthly payments compared to leasing space.

Commercial Term Loans

Get financing to fund business expenses

Borrow a fixed amount to finance business needs with monthly payments that meet your budget.

Revolving Lines of Credit

Operate with access to working capital

Take advantage of opportunities as they arise and cover unanticipated expenses by drawing on a line of credit when needed, up to a set amount.

Equipment Loans

Preserve liquidity and enhance operations

Purchase, replace, or upgrade equipment, machinery, computers, and other office fixtures for efficient operations.

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Financing uniquely structured for small business

Minority-owned Business Loans (ECIP)

Access affordable financing

Grow your business with a loan program designed to provide funding to underserved businesses. Financing is available to expand operations, create new jobs and drive economic development in our neighborhoods. This capital was granted to Banesco USA from the U.S. Department of the Treasury Emergency Capital Investment Program (ECIP).

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Bank with experienced professionals who specialize in servicing small businesses

Bank with experienced professionals who specialize in servicing small businesses











Bank with experienced professionals who specialize in servicing small businesses











Online & Mobile Banking

Save time banking and stay in control

View all accounts with one sign-in

Access your personal and business deposit and loan accounts with a single sign-in.

Fast, reliable wire transfer services

Quickly and accurately send funds domestically or internationally for one-time transfers or use templates for repeat payments.

Manage cash for daily operations

Use the transfers feature to move money between your Banesco USA accounts and accounts at other financial institutions.

Delegate routine banking tasks

Authorize staff members or others you trust to handle specific banking transactions while keeping account activity private.

Receivables & Payables Management

Leverage payables and receivables solutions to optimize your cash position

Merchant Services

Accept credit cards and pass transaction fees to customers

Access customer payments as soon as the next business day by offering credit card, debit card, and digital wallet payment options. Add card processing fee as a transaction surcharge.

Direct Debit

Efficient receivables processing

Accept recurring electronic payments from your customers or others who issue payments to you on a regular basis.

Zelle® for your small business

Send and receive payments
with Zelle®

When money moves with Zelle® for your small business, incoming payments are received quickly, and outgoing payments are debited when they’re scheduled.

ACH Origination Services

Pay digitally

Automate electronic payments to employees and cover monthly operating expenses.

Remote Deposit Capture
 & Mobile Deposit

Deposit checks on the spot

Scan paper checks individually or in batches from any location on the island with Remote Deposit Capture.2 Or, use the mobile app to deposit checks using the camera on your phone.

Purchasing Card

Control purchasing and pay monthly

Make purchases with a Visa Purchasing Card that includes a feature to set spending limits for everyday items and reimbursable employee expenses. Earn a cash rebate annually.3

Merchant Services

Accept credit cards and pass transaction fees to customers

Access customer payments as soon as the next business day by offering credit card, debit card, and digital wallet payment options. Add card processing fee as a transaction surcharge.

Direct Debit

Efficient receivables processing

Accept recurring electronic payments from your customers or others who issue payments to you on a regular basis.

Zelle® for your small business

Send and receive payments
with Zelle®

When money moves with Zelle® for your small business, incoming payments are received quickly, and outgoing payments are debited when they’re scheduled.

ACH Origination Services

Pay digitally

Automate electronic payments to employees and cover monthly operating expenses.

Remote Deposit Capture
 & Mobile Deposit

Deposit checks on the spot

Scan paper checks individually or in batches from any location on the island with Remote Deposit Capture.2 Or, use the mobile app to deposit checks using the camera on your phone.

Purchasing Card

Control purchasing and pay monthly

Make purchases with a Visa Purchasing Card that includes a feature to set spending limits for everyday items and reimbursable employee expenses. Earn a cash rebate annually.3

Inquire now

Banking to manage operations and support cash flow

Our solutions simplify everyday banking to pay bills, monitor transactions, and view account balances to stay on top of your finances

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Deposit Accounts

Our range of checking, Money Market, savings, and CD accounts is tailored to the unique needs of small businesses in Puerto Rico, from managing daily operations to earning interest to build savings and plan for the future.

Digital Banking

Our online banking and mobile app include features to keep track of your funds, wherever you are.

Automate Monthly Bill Payments

Set up recurring payments for fixed expenses and pause payments if needed, centralizing all payee details in one place.

Delegate Routine Banking Transactions

Authorize your business manager or other staff to handle specific banking transactions while keeping account activity private.

Pay Digitally

Automate electronic payments to employees and cover operating expenses with ACH. Originate wire transfers to process larger transfers.


Positive Pay helps avoid fraud on outgoing payments

Block unauthorized check and ACH transactions
before they are processed

Bank with experienced bankers in Puerto Rico

[businessandprofessional] Bank with experts who specialize in your profession. (Small Business)

Contact us to start your relationship

Visit

Visit

Find a Banking Center
Email

Email

customerservice@banescousa.com
Call

Call

1-888-228-1597
Disclosures:

Deposit account transaction fees apply. Refer to the Schedule of Fees and Service Charges.
Loans are subject to credit approval and the Bank's credit policies. Additional conditions may apply.
Merchant Services in Puerto Rico provided by Dynamics Payments.
1A penalty may be imposed for early withdrawal prior to maturity.
2 Equipment rental fees not included. For more information about Treasury Management products and fees, contact your Treasury Management Specialist or email TM@banescousa.com.
3 Purchasing Cards are subject to credit approval. Earn cash back on total annual purchases. Rebate calculated based on total spend for the year and paid out as an ACH deposit into checking account or statement credit. Additional conditions apply.

Zelle® is available in over 2,300 banking and credit union apps. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled consumers typically occur within minutes. Check with your financial institution. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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Fraud on the Rise: Protect Yourself Banesco USA will never ask for your password, PIN, Social Security number, or full account numbers by email or text. Banesco USA will also never request a secure access code over the phone.

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