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Referral Program

Are you outgoing, have lots of contacts and meet lots of people? In this case, you can use our Referral Program and earn extra money!
GAP  Equity Loans is a financial services company that specializes in the brokering of home equity loans. We are a fast, simple, and effective alternative to using traditional lending institutions in Costa Rica.


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).

Does that seem too simple? Well, it is!

If you know someone that needs an equity loan, follow these simple steps:

  1. You give them our company name, company website, company phone number.
  2. You tell them to enter your name as the “Referral Agent” under the “How Did You Hear About Us?” section on their loan application.
  3. You send the borrower’s full name and phone number to our WhatsApp (+506 4001 6413).

That’s all that you need to do. And, once the borrower’s equity loan has been funded, you will get paid your referral fee.


Do you need to be an expert on equity loans?

No, you don’t need to be an expert on equity loans. But, you should know some basic information about equity loans that will help you refer quality loans to us.

We generally like to process loan amounts below 40% of the value of the collateral property. This ratio is known as the Loan to Value ratio, based on the property’s “quick sale” price, not a retail price. A quick sale price is a price that you can sell the property in 90-120 days.

Note:  The lower the LTV percentage, the higher chance of the loan to be closed and funded.


 What will the borrower use the loan for?

By giving potential borrowers the following tips, you can increase their loan requests’ approval chances. Ultimately this will allow you to receive your referral fees faster:

  • If the funds are solely to pay off an existing loan, that is not the best reason, but it’s still valid.
  • If the funds are to expand a business or renovate a home, then that is much better! Also, If the borrower had a loan in the past and paid it down, this is good news.


Preferred locations for equity loans

We prefer to fund loans in the following areas of Costa Rica:

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


How does it work?

  1. Casual
    If you bring us a quality loan, your referral fee will be 0.5%. (for example, $500 US for every $100,000 US borrowed).
  2. Advanced
    If you consistently bring us quality loans, you can earn more – 3 loans in 6 months will increase your referral fee up to 1% (for example, $1000 US for every $100,000 US borrowed). To remain at 1%, you will need to keep up with this level (no less than 3 loans in 6 months). Otherwise, you will revert to 0.5%.


*The Referral free quote above is for standard equity loans with standard closing fees.


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