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Business loans in the Caribbean for tourism, trade and growing companies
USD financing for businesses in Jamaica, Trinidad and Tobago, the Bahamas, Barbados, the Dominican Republic and neighbouring islands.
Who we help in Caribbean
We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
All financing is arranged in USD.
Hotels and tourism operators
Guesthouses, tour operators and hospitality firms with seasonal visitor income, often paid in USD.
Importers and distributors
Island businesses that bring in most goods and pay suppliers in dollars.
Agriculture and agro-processing
Farms and processors exporting produce, spices and rum.
Services and construction
Contractors, logistics and professional services firms.
Registration and documents
Lenders typically ask for:
- Certificate of incorporation or business registration from the local registry
- Tax registration, such as a taxpayer registration number
- Six months of bank statements
- Directors’ ID or passport, a business plan and, where relevant, insurance cover
Borrowing in USD
Several Caribbean currencies are pegged to the dollar: the Bahamian dollar at 1 to 1, the Barbados dollar at 2 to 1 and the Eastern Caribbean dollar at 2.70 per USD, which keeps exchange risk low. The Jamaican dollar and Dominican peso float, and the Trinidad and Tobago dollar is managed, so borrowers there carry more risk. See multi-currency business loans.
Typical uses
Seasonal working capital
Cover payroll and stock through the low season with working capital loans.
Renovation and equipment
Upgrade rooms, kitchens and fleets with equipment financing.
Solar and resilience
Reduce high power costs with green energy loans.
An illustration
A Barbados guesthouse earns most of its income in USD from visitors and needs USD 65,000 to renovate rooms before the winter season. Its booking records, bank statements and a short business plan show how it will repay. We help it present them and connect it with lenders that fund hospitality; the lender sets the terms.
For illustration only. This is not an offer, rate or quote.
Local points to know
Hurricane exposure means lenders often ask about insurance for premises and stock. Some islands apply exchange-control or central-bank approval to foreign loans, and rules differ by country. Your bank or a local adviser can confirm what applies. We do not give legal or tax advice.
JP Lending helped me secure funding to open my new office overseas, and the experience was flawless. No upfront fees, clear communication, and fast approvals. I felt supported throughout. They truly care about helping businesses succeed
Frequently asked questions
Which Caribbean countries can apply?
Business owners in many countries can apply. Eligibility depends on the lender and local rules, and some countries are restricted. Tell us where you are based.
Do I need insurance?
Lenders often ask for cover on premises or stock, given hurricane risk. Requirements are stated in the lender’s offer.
Is the loan in local currency?
Financing is arranged in USD. Where your currency is pegged to the dollar, the exchange risk is low.
Related financing options and other regions
Working capital loans
Short-term funding to bridge payment gaps and seasonal swings.
Loan typeEquipment financing
Finance for machinery, vehicles and technology, often secured on the asset.
Loan typeGreen energy loans
Finance for solar, efficiency upgrades and clean-energy equipment.
RegionUnited States
USD financing for foreign-owned US companies and non-US founders.
RegionRest of Europe
UK and European companies borrowing in USD against euro, pound and other revenue.
RegionNetherlands
Dutch BVs and exporters borrowing in USD against euro revenue.
Ready to apply for business funding?
Complete our online application in minutes. No upfront fees.