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Costa Rica Private Lending 2023

What is private lending?

Private lending in Costa Rica is becoming a more popular option than regular bank loans in 2023. Private lenders are more prepared to take riskier borrowers, which banks tend to avoid. A growing economy offers many profitable investment options to both local and foreign investors. Costa Rica still has a significant private loan industry due to the state bank system’s lack of flexibility. Many trustworthy businessmen tend to collect “bridging funds” to launch lucrative residential or production projects.

Costa Rica’s private lending focuses on:

– Screening of Borrowers;

– Property Due Diligence;

– Appraisal by Reputable Experts;

– Mortgage or Trustee Guarantee Registration;

– Establishment of a Trust.

*If you own a home in Costa Rica, our private lenders have money to lend without the hassle of traditional banks.


What are we looking for?

We seek to help with loans that are less than 45% of the value of the collateralized asset. This percentage, called the Loan-to-Value ratio (LTV), is based on the “rapid sell” price rather than the retail price of the asset. A price at which you can sell the house in 90–120 days is known as a rapid selling price.


What sort of loan requests do we favor?

With a home equity loan, you can use your home equity for whatever you need, whenever you need it, for things like:

  • Home improvements or repairs;
  • College funds;
  • Medical emergencies;
  • New vehicle;
  • Business funding and more.


Earn extra cash helping us!

Would you like to get paid to help us with loans? All you have to do is refer people (borrowers) that need a loan, and we will pay you a referral fee once the loan has been closed (funded). Learn more about this process HERE.


Areas where equity loans are preferred

Our private lenders prefer to finance loans in the following regions:

  • The Central Valley (GAM);
  • Costa Rica’s best beaches (Jacó, Manuel Antonio, Tamarindo, Santa Teresa, Nosara, Conchal, Papagayo, Uvita, Ojochal, etc.)


Complete our quick online Loan Request Form for a free evaluation now!

Have any questions? – Contact us now!





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