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Costa Rica Commercial Loans Guide

Gap Equity Loans specializes in Costa Rica Commercial Loans and has access to many private investors and lenders that conventional banks do not. Our goal is to connect borrowers with lenders to help get you financing using your property as collateral. As a result, the private lenders we work with can provide lower rates, lower closing fees, and more financing options than conventional banks and mortgage companies do not have. In contrast to our competitors, we act as both lenders and agents.

The private lenders we work with can provide the money you need quickly. It’s easier to qualify for this type of loan because you’re putting up your property as collateral (a guarantee). Private money commercial loans are helpful in various scenarios, including time constraints, a lack of liquid assets or income, a particular property type, or even a way to prevent foreclosure.

When a company’s prosperity is on the line, private commercial equity loans might mean the difference between prospering and closing its doors forever. Commercial equity loans allow company owners to take advantage of the equity they have in their property. We want to make it as easy as possible for people like you who have worked hard and saved a long time to get the money you need to achieve your goals. Check the complete list of the services we provide HERE.


Have a look through the variety of types of loans we focus on:

Reasons for Costa Rica Commercial Loans

Borrowing money through  GAP Equity Loans can help your business in many ways. There are many reasons for a business owner to seek out a commercial loan; here are just a few:

  • Renovations

  • Increase working capital

  • Expansion

  • Buying equipment

  • Purchasing inventory

  • Investing in opportunities

  • And more!


Commercial loans from $50,000 USD to $1,000,000+ USD can be done quickly as an asset-based loan without many other requirements needed for large-scale financing. The asset must be a commercial property with valid permits for operation. We have done commercial loans using assets such as gas stations, commercial centers, restaurants, etc.


Why a Gap Equity Loan is right for you

Many of our clients say that Gap Equity Loans meets their financial needs better than Costa Rica banks. In other words, we can be a better option than conventional banks.  That is because we focus on the following factors:

  • Speed of Funding Loans

In most cases, our private lenders can close and fund a loan in about 7 – 10 business days. Compare that to the typical six months up to a year time frame with conventional banks, which slows the process for the borrowers. Now you can see why our clients – real estate developers, investors, businesses, and homeowners, choose us.

  • Flexibility Of Loan Terms

We work with our Private Lenders to structure the loan repayment and collateral (equity) release terms to benefit both parties mutually.

  • Approval of Loans

Sometimes conventional banks will deny loan requests due to a self-employed borrower, a short work history, lack of income history, etc. With us, you have a greater chance of getting a loan authorized, even if a bank previously denied you. We work with borrowers to get quick approvals on their loan requests. Our private lenders are typically willing to overlook these difficulties if the borrower can repay the loan and has adequate cash invested in the collateral property.

The advantages of our services are clear as day:

  • NO upfront fees

  • NO annoying forms

  • LOW-interest rates

  • Fees similar to bank’s

  • Top-notch experts


Our Terms:

According to The Global Economy, depending on the specifics of your project, our interest rates for loans between 12% and 18% for building projects are often close to the traditional bank’s rate of 14.21%. Each request for financial assistance will undergo a thorough evaluation from us. On request, more details are offered.



We help borrowers get access to needed cash fast. So, if you cannot obtain traditional financing, if the bank’s requirements are holding you back, look no further!  Do you need a fast turnaround, a simple loan application process? You can count on us to provide you with private investors we work with for all your borrowing needs.


-Co-written by Lawsen Parker (Operations Manager) and Glenn Tellier (Founder of Grupo Gap)


“I was a bit hesitant about taking out a loan from Gap equity, but they really came through for me. 10/10 would recommend.” -Troy



Contact us now to learn more about getting a loan in Costa Rica here!



Frequently Asked Questions page – Click HERE
Learn the Loan Process step by step – Click HERE
To use our free Loan to Value Calculator – Click HERE

Looking for Real Estate? – Click HERE
Ready for a Relocation Tour? – Click HERE
Need Residency Status in CR? – Click HERE
Looking to Invest your Money? – Click HERE

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