Empowering Growth,
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Who We Are

Pronto Credito is a pioneering private funding LLC Corporation dedicated to transforming credit into a powerful tool. 
 
  • Denver-based | Former Heartland Financial subsidiary | Independent + nimble
  • Today, relocated to Sunny Isles, Miami Beach

Pronto Credito is more than just a funding company. We are a pioneering private funding LLC with roots in Denver, formerly affiliated with Heartland Financial, now proudly independent and headquartered in Sunny Isles, Miami Beach. Our relocation to Florida was a strategic move—placing us at the intersection of fintech innovation, banking leadership, and relationship-driven capital solutions.
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Our Leadership DNA

We are a group of proven leaders—the top 0.025% in our markets—with decades of combined experience spanning fintech, private lending, and banking. What sets us apart is not only our professional expertise, but also our philosophy:
 
  • We are relationship-driven, not revenue-driven.
  • We believe funding should strengthen partnerships, not exploit them.
  • We treat every client like a partner, ensuring that your growth becomes our shared success.
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Revolutionary Terms in Lending

Pronto Credito has entered the market with a promise that no one else is willing to make:
 
  • Never more than 19% factoring rate—no matter the circumstances.
  • Repayment periods up to 6 years—giving businesses the breathing room they need to scale.

This alone has caused shockwaves across the industry. Where others have trapped small business owners with 30%, 40%, even 50%+ rates, we have drawn a clear line in the sand. Our stance is simple: fairness before profits.
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Why Now Matters

We recognize the moment we are in. With small and local businesses finally gaining an advocate at the national level, the tide is turning against predatory lenders. It is only a matter of time—perhaps six months or less—before regulators issue high fines and pursue criminal charges against those who exploit entrepreneurs with unsustainable rates.

But unlike many, we did not need lawmakers to enforce fairness.
We chose this path because we believe in something bigger than basis points—we believe in people.
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Our Mission

Pronto Credito exists to give business owners a fair shot. To empower neighborhood cornerstones, mom-and-pop shops, and emerging entrepreneurs to grow without being crushed by impossible financing.

We’re here to help you:
 
  • Hire and keep employees
  • Stock inventory with confidence
  • Expand your footprint
  • Weather tough cycles
  • Build long-term equity
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Our Commitment

At Pronto-Credito, your growth journey is our highest priority. We’re not here to squeeze dollars out of every deal—we’re on a mission to empower you. Credit, when used responsibly, should be more than a transaction—it should be a launchpad for building lasting legacies.
 
  • We value relationships over revenue. Every interaction is rooted in trust, transparency, and a genuine desire to see our clients succeed.
  • We deliver clarity through honesty. Our funding solutions, backed by over 200 years of combined lending experience, come with upfront terms—starting at just 2.5% per month—so you always know what to expect. Pronto-Credito+1
  • We believe in access without compromise. Fast, secure business funding with no hidden fees, delayed approvals, or collateral requirements. Pronto-CreditoPronto-Credito
  • We’re here for local businesses, industry-wide. Whether you run a pharmacy, restaurant, trucking company, salon, or e-commerce brand, our goal remains the same: help you seize momentum, grow sustainably, and build a foundation that outlasts short-term opportunity. Pronto-Credito
  • We exist to put you first. Because at the end of the day, you’re not just a client—you’re the reason we refine every process, every offering, and every decision.

Pronto-Credito isn’t just funding.


We’re your partner—committed to lifting your business, honoring your hustle, and fueling your vision
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Pronto-Credito's Senior Management Team

If a Pronto Credito client wishes to speak with or view a picture of their assigned account representative, a formal request must be submitted in writing. The request must be completed using the official PDF request form and sent via email to our client services department for verification and processing.

 
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Luis Martinez
VP of Business Development – ​​builds partner relationships, referral networks.  Ext-6000
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Edgar Garcia
VP Client Success - Manages onboarding team, satisfaction, and retention.
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Christopher P. Biemel
General Partner - Acting Fund Manager
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Roxanne Rosemberg
Chief Underwriting Officer
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Alejandra García
Chief Credit Officer
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Craig Scott

Team Leader - Account Executive
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Larry Ortiz

Senior Account Executive
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Nicholas Parenti

Senior Account Executive
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Martin susanaperez

Martin & Susanna Pereza

Senior Account Executives/Trainer
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Jurgen Seyfert

Senior Account Executive &
Leader in Training
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Dwayne Thompson

Account Executive
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Manny La-Cruz

Account Executive
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Some Testimonials

Here's what our customers have to say about Pronto Credito:
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"Pronto Credito provided the perfect financing solution for my pharmacy. With their unsecured line of credit, I was able to restock high-demand medications and invest in new equipment to improve efficiency. This not only helped me serve more customers but also significantly increased my revenue. The process was quick, easy, and stress-free. I highly recommend Pronto Credito to any pharmacy looking for fast and flexible funding!"
— Lisa M., Owner of HealthFirst Pharmacy
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"Pronto Credito gave my trucking business the boost it needed! With their unsecured line of credit, I was able to repair my existing trucks and add another one to my fleet. That extra truck alone increased my revenue significantly, allowing me to take on more jobs and grow my business faster than I ever expected. The process was fast, easy, and hassle-free. I highly recommend Pronto Credito to any trucking company looking for flexible financing!"
— James R., Owner of R&T Freight Services
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"I have tried other companies in the area, but this one is by far the best. The service is always friendly and their quality can’t be matched. I recommend them to all my family and friends."
— Eddie R.
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"Pronto Credito was a game-changer for my Texas steakhouse. Their unsecured line of credit allowed me to upgrade kitchen equipment, renovate the dining area, and expand my menu. These improvements brought in more customers and significantly boosted our revenue. The process was fast, easy, and hassle-free. If you're a restaurant owner looking for flexible funding, I highly recommend Pronto Credito!"
— Mark T., Owner of Lone Star Steakhouse
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"Pronto Credito gave my auto body shop the financial boost it needed. With their unsecured line of credit, I was able to upgrade my equipment, hire more technicians, and speed up repair times. This allowed us to take on more customers and significantly increase our revenue. The process was quick, hassle-free, and exactly what my business needed. I highly recommend Pronto Credito to any shop looking for fast and flexible funding!"
— Carlos R., Owner of Golden State Collision Repair
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"As a family-owned dental practice in Texas, we wanted to expand but needed the right financing to make it happen. Pronto Credito provided us with an unsecured line of credit over $1 million at a rate just slightly above what our bank offered—but with much more flexible terms. Best of all, we were funded in just two days! With this funding, we’ve been able to open a new location, upgrade our equipment, and serve more patients than ever. Pronto Credito made the process seamless, and we couldn’t be happier!"
— Dr. Michael S., Owner of Lone Star Family Dentistry

Legal Notice:

Pronto-Crédito is a Miami Beach, Florida–based private, non-bank provider of sales-based financing / receivables purchases (incl. MCAs & factoring). Not a loan; remittance typically via 7 to 19% of sales or ACH. Not FDIC-insured. Disclosures provided where required (e.g., FL HB 1353, CA SB-1235, NY CFDL).

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Investors & Contributors
The quality of our business is defined by those we serve.
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