Launch Pad Capital
LaunchPad Capital
Direct Lending + Puerto Rico IFE Structure
A fintech-native lending arm licensed as a Puerto Rico International Financial Entity — 4% tax rate, full municipal exemption, and access to the 384K+ LaunchPad customer base as pre-qualified borrowers.
Tax Rate (IFE)
4%
vs. 21% US federal
Seed Fund
$10M
Launch 2029
Tax Savings/Yr
$1.7M+
On $10M lending income
Pre-Qualified Pool
384K+
Existing LaunchPad users
4% Flat Tax Rate
Save 17 cents on every dollar of lending income vs US federal rate. On $50M AUM that's $8.5M+/year back in the company.
Built-In Borrower Pool
By 2029, 384K+ LaunchPad users are pre-vetted with 3 years of behavioral data — business plans, financials, tax records. Zero cold underwriting.
Broader Than Banking
IFE covers lending, asset management, investment advisory, AND crypto. Far more flexible than a traditional IBE bank charter.
Proven Model
Propel Holdings (Toronto fintech) received their IFE license in December 2025 using this exact structure — the regulatory path is validated.
100% Municipal Exemption
Zero property tax, zero gross receipt tax, zero municipal tax in Puerto Rico. Keeps operating costs minimal.
The Flywheel Effect
LaunchPad user builds plan → gets pre-screened → Capital funds them → they succeed → upgrade subscription → refer others.
AlphaLpad Trust
Asset Protection Shell
Alpha LPad Holdings, LLC
Texas LLC — IP, Patents & Trademarks
LaunchPad Corp
Delaware C-Corp — Platform Operations
LaunchPad Capital IFE, LLC
Puerto Rico IFE — Direct Lending Arm
US Mainland Borrowers
384K+ Pre-Qualified LaunchPad Users
⚠️ Cannot Serve PR Residents
✅ Not a problem — LaunchPad's market is US mainland SMBs. Compliant by design.
⚠️ No US Deposit-Taking
✅ LaunchPad Capital is lending-only. For deposit products later, layer in a BaaS partner on the mainland.
⚠️ $10M Capital Requirement
✅ Can be satisfied with marketable securities, not just cash. 2028 revenue targets make this achievable.
⚠️ 8 Full-Time PR Employees
✅ Build a real operations & compliance team in San Juan. This is a feature — not a bug — for OCIF credibility.
LaunchPad Capital — Confidential Strategic Document
IFE structure based on Puerto Rico Act 273-2012 as amended by Act 44-2024
Consult OCIF-experienced legal counsel before filing. Projections are estimates.