Aviara Advisors is the leading authority on international banking licenses in Puerto Rico, dedicated exclusively to securing banking charters under the island’s unique regulatory framework. As the only firm focused solely on Puerto Rico, we offer unmatched expertise and guide you seamlessly through every stage of the process—from initial strategy to full operational launch.
Who We Are
Puerto Rico’s Exclusive Experts in International Banking Licenses
Aviara Advisors is dedicated exclusively to securing International Financial Entity (IFE) licenses in Puerto Rico—the only jurisdiction in the world where you can operate an international bank with full access to the U.S. banking system, Fedwire, and ABA numbers, without being subject to U.S. federal income tax. Puerto Rico’s unique combination of U.S. financial infrastructure, favorable tax incentives, and a mature legal framework under Act 273 has positioned it as the premier location for serious international banking operations. By focusing solely on Puerto Rico, we ensure that every client benefits from our in-depth knowledge of the territory’s regulations, opportunities, and challenges, giving them a strategic advantage in an increasingly competitive and well-regulated environment.
Unlike firms that divide their attention among numerous offshore jurisdictions, Aviara’s team is fully committed to mastering the evolving Puerto Rican IFE landscape. Recent reforms in 2024 and 2025 have raised the bar with higher capital requirements, tighter compliance standards, and stronger governance rules. While this has eliminated the “cheap and easy” entry path of earlier years, it has also elevated Puerto Rico’s reputation as a jurisdiction for well-capitalized, professionally managed banks. We guide our clients through every stage of the process—whether applying for a new license or acquiring an existing institution—ensuring they meet and exceed all regulatory expectations while positioning their bank for long-term success.
With decades of experience in banking licenses, acquisitions, compliance design, and regulator relations, we have helped entrepreneurs, investors, and financial institutions launch or acquire IFEs efficiently and successfully. Our services include preparing comprehensive business plans, sourcing acquisition targets, managing due diligence, structuring capital plans, and building compliance teams. From securing regulatory approvals to establishing core banking systems and correspondent relationships, we provide end-to-end solutions that minimize delays and maximize strategic outcomes. For clients who want to enter Puerto Rico’s international banking sector with confidence, speed, and expert guidance, we are the trusted partner who delivers results.
I do everything different. That is why I am successful. I do not follow old modules. I question every aspect of family law before following it and see whether I can change it for the better. I have a modern and progressive approach to law, my practice and how my service is run. I believe that family law must conform and change as I change and for this reason, I constantly challenge the core and limits of family law.
What We Do
We provide comprehensive, start-to-finish solutions for establishing or acquiring an International Financial Entity (IFE) in Puerto Rico. Our approach is hands-on and tailored to each client’s goals, ensuring that every step meets both regulatory requirements and strategic objectives. From identifying the right entry path—whether through a new license application or the purchase of an existing bank—to assembling the right team, infrastructure, and systems, we manage the details so you can focus on building your business.
Our services cover the full spectrum of needs for international banking in Puerto Rico, including regulatory filings, capital structuring, operational setup, and compliance integration. We coordinate directly with government agencies, legal counsel, and financial professionals to streamline the process and prevent costly delays. Beyond licensing, we help clients establish the operational foundation for long-term success, including staffing, technology selection, and relationship-building with key banking partners.
Whether you are an entrepreneur, an investment group, or a financial institution looking to expand, we deliver the strategic insight, local expertise, and practical execution needed to enter Puerto Rico’s banking sector with confidence and speed.
Experience Matters
Puerto Rico’s international banking sector operates under a complex and evolving regulatory framework that demands precision at every stage. Seasoned advisors know how to anticipate challenges, navigate compliance requirements, and maintain strong relationships with regulators—saving time and avoiding costly mistakes. With the right expertise, your bank can move from concept to operation smoothly, efficiently, and with a solid foundation for long-term success.
Partners
