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Puerto Rico District Office
273 Ponce de León Ave., Plaza Scotiabank Suite 510
San Juan, PR 00917
United States
Phone: 787-766-5572
Fax: 787-766-5309
Hours of Operation:
Monday through Friday 8:00 a.m. to 4:30 p.m.
Toll Free: 800-669-8049
Brenda Marrero

Human Capital Expert Exports Services, SBA Supports the Deal

SBA Export Express Success Story

In 1997, Brenda Marrero left her job as Human Resources Administrator for the Business Administration Unit of a multinational pharmaceutical corporation to start her own business, focused on providing her potential customers with superior external recruitment services.

“I knew there was opportunity to do something different, and provide the quality services I looked for in my role as a Human Resources professional,” Brenda says. “My former employer became my first client. One day I put together a service proposal, presented it to my boss, and here I am today.”

On her own, working from home or in small offices she borrowed from friends, Brenda built a staffing business that has since evolved to become a leader in its industry, not only in Puerto Rico, but in more than eight countries. Brenda Marrero & Associates (BMA) was born from its founder’s desire to place high-caliber professionals in the right job, while at the same time helping meet clients’ needs, and ensure motivational and behavioral fit.

Within the first six months of operations Brenda had achieved 50 placements, and was able to hire one employee, this time working for her. After the first year in business, Brenda had landed several clients, including locally-owned pharmaceutical companies, and law and accounting firms. In 2000, she became more than a head-hunter by integrating other executive staffing components, such as Employee Leasing and Business Process Outsourcing (BPO) units to meet customer needs for experienced professionals during specific or indefinite periods, respectively.

“We became a more sophisticated company as we realized our customers’ needs to fill highly technical positions, such as those requiring a doctorate degree, for example,” Brenda says.

Branching out to other areas of recruitment allowed BMA in 2002 to establish headquarters at Centro Internacional de Mercadeo in Guaynabo, PR, where she now occupies space on two different floors.  The woman entrepreneur also developed a Vendor Program --a hybrid so-to-speak of BPO and Employee Leasing—to hire temporary professional personnel by administering all contact, administration of benefits, and handling of risks.

“We allow companies to think about their growth while we develop ideas,” says the woman entrepreneur.  “We also handle the strategic planning and evaluations of employees, and manage the payroll and fringe benefits.”

In 2011, Brenda saw an opportunity for BMA to expand to other markets.  The Dominican Republic came first and Perú was next, followed by Costa Rica, Panamá, Jamaica, Trinidad & Tobago and Canada.  Between 2012 and 2103, the company grew 40 percent.  Such an expansion led Brenda to look into export financing, and she visited Banco Popular de Puerto Rico, where she obtained a line of credit with an Export Express guaranty from the U.S. Small Business Administration.

“This assistance has been like a lifeline,” Brenda says. "We have continued growing at a steady pace,” Brenda says. “Our main focus is to strengthen operations and continue growing, not only locally, but in Latin America as well.  Banco Popular and SBA have been incredible in that sense; they take the time to understand the business owner and explain what your options are.”

The Export Express is one of various products under the SBA's 7(a) Loan Guaranty program, offering flexibility and ease of use for both borrowers and lenders. It is the simplest export loan product offered by the SBA and allows participating lenders to use their own forms, procedures and analysis. The SBA provides the lender with a response within 36 hours. 

Borrowers may use proceeds from the Export Express to fund participation in a foreign trade show, finance standby letters of credit, translate product literature for use in foreign markets, finance specific export orders, as well as to finance expansions, equipment purchases, and inventory or real estate acquisitions, among other uses.

“Brenda Marrero is a solutions-focused entrepreneur,” said SBA District Director Yvette T. Collazo.  “She has applied that invaluable trait, not only to satisfying her customers’ demands, but also as she manages a fast-growing company locally and across the globe.  The SBA’s export programs are all about supporting those business needs.”

As she considers all that she has accomplished in little over a decade, Brenda doesn’t hesitate to provide sound business advice to younger and potential business owners.

“The global economy is ever-changing,” the woman entrepreneur says.  “People have to read and they have to stay informed.  They can develop their dream into a business model where to plot their ideas if they have discipline and structure.”

For more information on SBA’s programs and services for exporters, visit

Rafael Rodríguez-Toymil

Natural-Born Entrepreneur Finds Niche in Food Distribution Industry

Puerto Rico Success Story: Mar y Tierra

Rafael Rodríguez-Toymil has been an entrepreneur all his life. 

It should come as no surprise.  His father –Rafael senior— opened a gun shop after working in the insurance industry for many years, and the young Rafael spent a great deal of time helping out in the business any way he could.  One day, his dad gave him a couple of boxes filled with promotional key chains, and Rafael sold them to his friends and neighbors, getting his start in the business world. 

After graduating high school at Colegio Maristas in 1991, Rafael attended Northeastern University in Boston, Mass. His classes were conducted quarterly and, as part of a cooperative education program, after his freshman year Rafael was expected to study for six months and work for the next six.  Upon graduating in 1996 with a double major in Accounting and Management Information Systems, Rafael had already worked at accounting firms, supermarket chains and hotels. 

While those experiences gave Rafael the hands-on knowledge and training he would need down the road, they also made him realize that he didn’t want to work for anyone else again, and back in Puerto Rico he began looking for ideas to start a business of his own. 

A couple of years before Rafael graduated from Northeastern, his dad had sold the gun shop, and to keep himself busy was helping a friend’s son-in-law, who owned a slaughterhouse in Miami, import whole frozen pigs to Puerto Rico.  The senior Rafael rented freezer space in the Bechara Industrial Sector in San Juan and began promoting the product. 

It was while visiting his father one day that Rafael learned about a small meat and seafood shop across the way that was up for sale.  In August 1996, at the age of 23, with $3,000 in savings, proceeds from selling his SUV and his father’s business contacts selling to him on credit, Rafael established Mar y Tierra.   

A couple of days after its grand opening, Hurricane Hortense hit the island, leaving thousands of people without power.  Mar y Tierra remained closed for a month and a half, and Rafael lost his entire inventory. 

“After Hortense, half of my clients came back, but the other half didn’t,” Rafael says.  “There were sales, but I wanted to sell more, so I began knocking on doors.” 

A couple of those doors led to the Caribe Hilton hotel and Charthouse Restaurant, and Rafael began selling seafood to the first and Australian lobster to the latter. But as fate would have it, both clients ceased operations at the same time, and while Caribe Hilton would reopen after undergoing renovations, it was too far down the road.  Rafael needed a plan. 

“I decided to look for a niche market, and began buying whole frozen pigs from my father and selling it to lechoneras,” the entrepreneur says. 

In 2000, space was becoming a little small for Rafael’s business, and he moved to a lot in Trujillo Alto that belonged to the father of a friend. They refurbished an abandoned two-bedroom house to share as office space, while Rafael also rented a couple of freight containers to use as freezers.  By then, Rafael had already hired a delivery man.  Mar y Tierra operated from that location for the next three years, at the end of which Rafael had hired two additional employees, bought two delivery trucks and had signed a distribution agreement with a slaughterhouse in Iowa.  Business was growing and again the space became too small, prompting Rafael to buy a house located on a two-acre lot nearby and build a warehouse with loading docks. 

Another three years later the company had doubled its size, and Rafael realized that he needed to move to an even bigger location to keep operations running smoothly. 

“I bought a provisions company in El Comandante Industrial Sector in Carolina, which was in a rented building big enough to accommodate my needs at the time,” Rafael says.  “I also rented an old lumberyard in Trujillo Alto where I am currently located, with an option to buy, and operated from the rented facilities in Carolina while construction was underway.” 

The year was 2007.   By then, Rafael had already hired 18 employees, among them salespeople, a warehouse manager and a sales manager.  Also, the building he rented had enough space for 12 containers and had a small U.S. Department of Agriculture approved processing plant for meat, seafood cutting and packaging that allowed Mar y Tierra to create its own brand of meats and seafood called “Butcher’s Choice”. 

It took two years for construction to be complete, and another six months for Rafael to get all the licenses and permits he needed, but finally in 2009 Mar y Tierra moved back to Trujillo Alto.  In 2011, Rafael took out a loan with Banco Popular de Puerto Rico under the U.S. Small Business Administration’s 7(a) Loan Guaranty program, which provides financing for a variety of general business purposes, such as working capital, expansion or renovation of facilities, the purchase of machinery and equipment, and the purchase of land, among others.  

With the loan proceeds, Rafael purchased the land on which he built Mar y Tierra’s facilities. But that same year was perhaps the most difficult the business has ever seen, since many restaurants began filing for bankruptcy or closing operations, leaving accounts unpaid.  Rafael had to reinvent his marketing strategies once again, structure payment plans for his customers, and obtain an SBA-guaranteed line of credit. 

Still, the challenges have not gotten the best of Rafael. 

“With time, you learn not to be afraid,” he says. “Perhaps because I started in this business at such a young age, working seven days a week, I have learned to take things one step at a time.  I have overcome the economy’s downturn, which is perhaps the most difficult thing to do in this industry.” 

Mar y Tierra distributes and sells meat, seafood, ingredients to produce pork rind and blood sausage, and local products such as garlic, plantains, and purified water. Among its clients are restaurants, hotels, supermarkets, mom and pop stores, and lechoneras, in addition to a few new ones recently acquired in the Dominican Republic.  With 30 employees and a steady growth in annual sales year after year, Mar y Tierra has served nearly 800 clients since operations began and currently has over 450 active accounts. 

The company’s success proves quite an evolution for the little boy who sold key chains decades ago.  When asked about his advice to other entrepreneurs, Rafael smiles and says “do not be afraid of taking the next step, you can accomplish anything you want.” 

For more information on SBA programs and services, visit

Dionisio Ortiz

Small Business Owner Excels at Information Technology Infrastructure with Architectural Eye

Puerto Rico Success Story: CDS, Inc.

In 1992, Dionisio Ortiz --a young New Yorker of Puerto Rican descent-- arrived on the island to work at the Puerto Rico Medical Center as Assistant Director of Information. He had never stepped foot in the facilities, as the job interview had taken place over the phone. 

“When I went to the Information Systems Department I noticed they had one of those old IBM Mainframes,” Dionisio says with a laugh.  “I had only seen them in books.” 

The hospital had an approved $2 million budget to update all information systems, including migration of trauma, industrial, emergency and radiology records, among others. Four years later, Johnson & Johnson executives took notice of the young man’s expertise and made him an offer he couldn’t resist.  For the next five years, Dio --as his friends and family call him-- worked from home for the company as an International Information Technology Consultant for the Caribbean and Latin-American regions. 

“The experience opened my eyes and I said to myself, ‘I can do this on my own’,” the entrepreneur says.  “I then said to my wife, ‘all I need are studies in Business Administration’, and that encouraged me to go back to school. 

Dio, who already had degrees in Architecture and Computer Sciences from the City College of New York, enrolled in the University of the Sacred Heart in Santurce and obtained additional credits in Business Administration.  In October 2001, with the full support of his wife, he founded Corporate Development Solutions Inc., dedicated to the implementation of high-tech communications systems. 

The company’s first test was several months prior to 9/11, when CDS was hired to renovate American Airlines’ analog network to a completely new digital wide area network, and to reinstall all electrical infrastructure and telecommunications transparent to day-to-day flight operations in Puerto Rico, St. Croix and St. Thomas.  Later, the Caribbean division of Lloyd Electrical Company selected CDS as a subcontractor for the Department of Homeland Security during the implementation of new security system measures at Luis Muñoz Marín International Airport and at U.S. Virgin Islands airports. 

“This jumpstarted us like you wouldn’t believe,” Dionisio says.  “It was the trampoline that got us going. About 750 companies were hired nationwide to do the work.  Only 11 made the deadline, and we were one of them.” 

In 2005, CCLD Technologies & PS Splicing subcontracted CDS for Bellsouth, to support the outside telecommunications plant rebuilding efforts required after hurricane Katrina pummeled New Orleans, and once again hired CDS to rebuild Bellsouth’s telecommunications infrastructure in Florida after hurricane Wilma - the first time a Puerto Rican-based company was asked to mobilize state-side for this type of work.                                   

Several years later, at a Government Contracting Matchmaking event the U.S. Small Business Administration’s Puerto Rico and Virgin Islands district office cosponsored with the Puerto Rico Professional College of Engineers and Land Surveyors, Dio learned all about the SBA’s 8(a) Business Development program, which provides eligible socially and economically disadvantaged firms with growth opportunities through federal contracts.  Dio immediately began the application process, obtaining certification in 2009. 

“After you’re accepted into the program, it really does open a lot of doors,” he says. “The 8(a) program was the vehicle for me to get in the game.” 

Today, with more than 35 years of experience, Dio has raised the bar in the Caribbean region by providing highly sophisticated Information Technology infrastructure installation and solution services for such federal agencies as Department of Veterans Affairs, Department of Homeland Security, Transportation Security Administration, U.S. Army Corp of Engineers, U.S. Customs & Border Protection, U.S. Air National Guard and the Disaster Recovery Division of the U.S. Armed Forces.  

The entrepreneur attributes great part of the company’s success to a very dedicated support staff among which he counts Senior Project Manager Mario Figueroa, Senior Account Executive Janice Luciano, Account Executive Edna Miranda, and Inspector Carmen Saráchaga. 

“Without their contributions, we would not be where we are today; they are an integral part of our success story,” Dio declares. 

Flexibility and careful understanding of customer needs have enabled the company to provide its services and expertise in various markets including the public sector, and in the fields of Communications, Hospitality, Construction, and Healthcare, as well as the Airline industry.  With a growing reputation of excellence in workmanship and positive results, CDS has completed numerous projects not only in Puerto Rico, but also throughout the Caribbean at locations including St. Vincent’s, Grenada, Canounan Island, Mexico, St. Thomas and St. Croix. 

“There have been times when we’ve had to say ‘thank-you, but not right now’ because we’ve had too much work,” says Dio. “We’re a little conservative that way. You shouldn’t bite off more than you can chew. Don’t Burn your bridges, so they’ll call you back.” 

With 30 employees and annual sales of nearly $1.3 million, CDS has succeeded in establishing a serious presence in the Caribbean region as the number one provider that diversified companies can reach out to when in need of secure Information Technology systems. 

“My greatest satisfaction is putting people to work and helping provide for their families,” the businessman concludes. 

For more information on SBA programs and services, visit

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