Josué Rivera, president of Puerto Rico's Banco de Desarrollo Económico (BDE), stated that 80% of small businesses with strong financial preparation survive economic crises, compared to 20% without it. ^[1] Rivera emphasized the need for businesses to adopt energy-efficient equipment, such as solar panels, to reduce electricity costs. ^[2] Rivera highlighted that 33% of restaurants in Puerto Rico consider closing due to rising operational costs, including energy prices and inflation. ^[3] The BDE offers financial programs, including zero-down loans for entrepreneurs aged 21-35 with fixed 6% interest rates, to support small businesses. ^[4]