For investors moving capital into El Salvador

At the intersection of Legacy Finance and digital assets.

In dollars or Ethereum, we have the right connections: banks, counsel, registered digital asset providers and a neutral escrow agent that holds the funds until every condition is met.

2020The year the work started
2023Incorporated in San Salvador
100%Salvadoran capital

Torre 1, World Trade Center · Col. Escalón, San Salvador

3Brands that work as one: capital, Real Estate, legal
100%Salvadoran capital
0%Income tax on services exported from El Salvador
WTCTorre 1, World Trade Center, San Salvador

A&M CAPITAL, Sociedad Anónima de Capital Variable · Incorporated 18 September 2023 in San Salvador · Registered office: Torre 1, World Trade Center, Local 201-A, Col. Escalón, San Salvador, El Salvador.

However the money moves, there is a route. And a name behind it.

What trips investors up is rarely the country. It is not knowing who handles which part. So we build the transaction route by route, with the people licensed to run each one.

01

Dollars

Banks · Stratos Escrow

El Salvador runs on the US dollar: nothing to convert, nothing to hedge. The money moves through Salvadoran banks and, if there is a deal, waits in escrow instead of landing with the seller.

Moving capital, step by step
02

Digital assets

CNAD-registered providers · Intersection Legal

Bitcoin, Ethereum or stablecoins move through providers registered with the CNAD, El Salvador’s national digital asset commission. We connect you with them. If you want to become a registered provider yourself, Intersection Legal coordinates the licence.

The CNAD registry, explained
03

Real Estate

ownelsalvador.com

Buying property from abroad: due diligence before you pay, the closing through to CNR registration in your name, and the money in escrow until the deed is signed or, if the parties agree, until registration.

Escrow at ownelsalvador.com
04

Companies & assets

Intersection Legal · Stratos Escrow

Buying a company or its assets: counsel on your side of the table, and the price held by Stratos until every closing condition is met, including holdbacks for what surfaces after closing.

Escrow when buying a company

Plain vanilla. The simplest structure that does the job. If it can’t be explained in one sentence, it isn’t ready to sign.

Our ally in protecting the transaction

Whatever the transaction, the risk gets smaller when the money waits.

  • 01 · Tell us the transaction.Thirty minutes with a principal, in English or Spanish.
  • 02 · We map the route.Banks, registered providers, counsel and escrow: who handles which part, before anything moves.
  • 03 · The money waits.It sits in escrow until every condition is met. Not with the seller. Not with us. If a condition fails, the contract says what happens to the money.

Request a private briefing

The trifecta

Capital, Real Estate and legal. Three brands that work as one.

Every investor asks three questions before money moves: how it gets here, where it goes, and who signs. Each brand answers one, and sends you to the other two when that is the right answer.

A&M Capital

Capital

A&M Capital · You are here

How the money gets in, and how the transaction is protected.

Move capital

Real Estate

ownelsalvador.com · El Salvador

The closing company El Salvador did not have: due diligence before you pay, the closing through CNR registration, and care of the property for owners abroad.

ownelsalvador.com

Legal

Intersection Legal · Central America

Connects international investors with vetted attorneys and notaries across Central America. A coordination platform, not a law firm.

intersectionlegal.com

Old enough to know better. Young enough to take risk.

Also in the group

A&M Systems · AI & security. The layer beneath every brand: agents that read the market overnight, automation that does the work instead of assigning it, and the security around both. Built for our own companies first. Our capital at risk. Not yours.

Talk to us about your systems

Energy mandate. A&M Capital sources, structures and accompanies energy projects in El Salvador and Central America: the land, the counsel and the permits a project needs before it is financeable. Published as a direction, not a track record: we have no energy project in operation today.

Talk to us about an energy project

Registered, banked and current.

Every brand trades under an economic activity declared to El Salvador’s tax authority.

Primary430202

Business management consulting

A&M Capital (consulting, AI and security) and Intersection Legal, as a coordination platform.
Intersection LegalA&M Systems
Secondary420102

Real Estate with own or leased property

ownelsalvador.com, the division opened after the partnership with Gregory Penner.
ownelsalvador.com

Declared to the Dirección General de Impuestos Internos of El Salvador; registry updated January 2026.

Gobierno de El Salvador
Registered and current at the commercial registry and the tax authority.
Bancoagrícola
Bancoagrícola, our banking partner.

Our compliance & legal network

Gofaizen & Sherle Montano & Co AC Legales Salas Guerra Consultoría Legal LAAB Asesoría Legal

One of the most business-friendly places in the Americas to put capital.

Since the March 2024 reform to Article 3 of the Income Tax Law, income from foreign sources and capital brought in from abroad — investment returns, repatriated funds, remittances — is not subject to income tax in El Salvador, for residents and non-residents alike. In April 2026 the Legislative Assembly also removed the withholding on stock-market returns for non-domiciled investors. General information, not tax advice: each transaction is structured with counsel. The full picture, with rates.

El Salvador legislated a national artificial intelligence framework with tax incentives, intellectual property protection and liability provisions for registered companies. We operate inside it, which means clients get the benefit of the framework without relocating anything.

Services delivered to clients outside El Salvador are taxed at 0%. More of every dollar buys capability instead of covering structure — which is one of the reasons a Salvadoran holding can quote against firms three times its size and still invest more per engagement.

El Salvador has a written national framework for digital assets supervised by the CNAD, with a public registry of licensed service providers. We connect investors with registered providers, and our legal front runs the licensing path as core practice rather than as an occasional filing.

Three hours from Miami, the same working day as Chicago, with direct flights to major US hubs. A client can be in our office and back home inside twenty-four hours.

The first nation to adopt Bitcoin as legal tender. One of the sharpest security turnarounds in the hemisphere. Record foreign direct investment. Whatever anyone makes of the specifics, decisiveness became the national posture — and that is the posture we built the company to match.

Move capital into El Salvador with a name next to every step.

We start with the end in mind.

Request a private briefing