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Costa Rica Construction Loans

Gap Equity Loans specializes in Costa Rica Construction Loans and has access to many private investors and lenders that conventional banks do not. As a result, our private lenders can provide lower rates, lower closing fees, and more financing options than conventional banks and mortgage companies. 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). In contrast to our competitors, we act as both lenders and agents.

Our goal is to connect investors and lenders with borrowers who can help you finance your investment property. We don’t believe you should have to jump through hoops to learn how to secure a loan for an investment property. Gap Equity Loans indeed aims to make it as simple as possible for people like you, who have worked hard and saved for a long time, to acquire the cash you need to realize your plans.

How Do Construction Loans Work?

Homebuilding loans are typically short-term, with a maximum period of 3 years. You’ll need some paperwork about the type of construction you’re planning, a construction timetable, and detailed construction plans. Also, you will need an accurate budget, which includes information about labor and building materials, once you’re ready to apply.

After the loan is authorized, we’ll set up a planned draw rate that fits your building schedule and budget. A representative may visit the building site to monitor progress. Check the full list of the services we provide HERE.


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


Solutions for Costa Rica developers

Gap Equity Loans offers multiple options for Construction Loans. For both security and repayment, the lender looks mainly at the income generated by the specific project with our type of financing. We provide money for unique situations that do not meet the requirements for typical bank borrowing.

Our Project Funding (up to $1,000,000+ US)

Your project can be funded quickly as an asset-based loan without many other requirements. The asset must be well under construction, meaning that all the permits have been granted. Remember that our private lenders do not lend on a piece of land. 

Available for:
• Asset based-loans;
• Large alternative energy programs;
• Sizable real estate developments;
• Infrastructure loans;
• Refinancing of existing loans.

Business Plans:

Any large-scale funding request must be supported by a professionally prepared business plan which includes an executive summary, detailed description of the project, and development schedule. Also, it provides company information, development costs, required permits, approvals and how you will repay the debt. Your financial forecast must consider the timing of cash needs, contingencies, vacancies, etc. 

Our Terms:

Our interest rates for loans on construction projects are generally comparable to the conventional bank’s rate, depending on the specifics of your project. We will consider each funding opportunity on its merits. More information is available upon request.

Why a Gap Equity Loan is right for you

Many of our clients say that Gap Equity Loans meet 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 denied you in the past. 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:

  • LOW-interest rates
  • Fees similar to bank’s
  • Top-notch experts

To sum up, 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?  Count on us for all your borrowing needs.

Consider filling out an application for a private equity loan. For more information regarding the process and required application materials, contact us today.


To fill out a loan request – click HERE.

Loan Process step by step – click HERE.

For our FAQ page – click HERE.

If you are looking to invest – click HERE.

To use our free Loan to Value Calculator – click HERE.

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