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Where to go for a Loan in Costa Rica?

Gap Equity Loans is a Costa Rican company, founded in 2008 by industry experts looking to offer help with accessible equity loans for those in need. So, the question of the day is “Where to go for a Loan in Costa Rica?”

Here are some of the many reasons to come to Gap Equity Loans:

1. Speed

We can close in 5 days assuming we have all the requested information. First, make a loan request, provide 10 pictures and land survey (Plano Catastro) number, and Google Maps coordinates. Once we have that and do our preliminary due diligence and valuation, we go see the property, then give it our appraisal, then present it to our lending network. Once they approve the loan, we get the lawyer to draw the mortgage paperwork and coordinate the close — Voila! — money in your hands within days!

2. Rates

The rates of the private lenders are super competitive! They offer loans from 12 – 16% depending on the quality of the loan and the amount requested. We try to be as fair to the borrower as well as protect the lender. The reason for this is, unlike other lending companies out there, we are not interested in foreclosures. Neither are our lenders. They are just looking for a decent, reliable return on their investment. By achieving this, we create a “win-win” situation. 

3. Amounts

Gap Equity Loans can close up to $1,000,000+ USD loans. These are rare but feasible if the collateral is good enough! On average, the loan amounts are approximately $50,000 to $250,000 USD. Although we have closed loans as low as $30,000 USD, the above seems to be the sweet spot for our lenders.

4. Types of Loans

There are many reasons why we can offer help with your loan more than the banks for example. We have closed loans for solar energy, buying a boat, or renovating your home. We also have closed construction loans with some larger companies (those are more complex and must be near completion before consideration). Helping with loans like these are simple for us, whereas commercial banks seem not to be very interested in these types of loans.

5. Added Value

We pride ourselves on being more than just loan originators. We offer people many services through our affiliates, including wills, life insurance, property insurance, and even travel insurance! Borrowers often come to us for business plans and executive summaries, if there is a project involved.

With many years of experience in business in Costa Rica, we pretty much know what works here and what doesn’t. We keep a line of communication open at all times for the borrower so they can call us with any concerns or inquiries. We also pay referral fees! After all, a borrower that knows we are here for them will definitely recommend us to other potential borrowers.


If you are looking for a quick loan at a great rate, apply now, or contact us today!


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