Referral Partner Program

Costa Rica Loan Referral Partner Program

A simple referral program for people who can introduce Costa Rica property-backed loan opportunities to GAP Investments.

Become A Referral Partner
How Lending Works

Referral partner introducing a Costa Rica property-backed lending opportunity

1% Referral Fee

No Lending Experience Needed

No Paperwork

Costa Rica Focused

Professional Introductions

You introduce the opportunity. GAP handles the review.

If you know property owners, developers, business owners, builders, real estate professionals, or investors in Costa Rica, you may come across people who need private financing secured by real estate.

You do not need lending experience. You do not need to explain loan structure, collect legal documents, evaluate title, negotiate terms, or manage the closing.

Your role is simple: make the introduction. GAP reviews, structures, coordinates, and manages the lending process.

Referral fee example

The standard referral fee is 1% of the funded loan amount, paid when the loan closes.

100,000 US dollar loan = 1,000 US dollar referral fee.

250,000 US dollar loan = 2,500 US dollar referral fee.

500,000 US dollar loan = 5,000 US dollar referral fee.

Referral fees are paid only when a referred opportunity is funded and the loan closes.

Who This Is For

Built for people already connected to Costa Rica property owners.

This program works best for professionals and trusted connectors who naturally hear about financing needs before they become public.

Real estate agents and brokers

Agents and brokers who meet property owners, buyers, sellers, and investors who may need private financing.

Builders and contractors

Construction professionals who work with owners needing funds for building, improvements, or project completion.

Property managers

Managers who know owners with rental properties, investment assets, or liquidity needs.

Architects and project advisors

Professionals who see early-stage construction, renovation, or development financing needs.

Expat network connectors

People in Costa Rica communities who know property owners looking for practical financing options.

Professional introducers

Advisors, consultants, and business contacts who can identify qualified property-backed lending opportunities.

Good Referrals

A good referral is realistic, clear, and property-backed.

The best referrals usually involve a borrower who owns Costa Rica real estate, needs a practical loan amount, understands the property value, and has a realistic reason for borrowing.

Lower loan-to-value generally creates a stronger opportunity. For example, if a property is worth 500,000 US dollars and the borrower requests 250,000 US dollars, that is a 50% loan-to-value.

If the borrower is looking for a direct property-backed loan, the borrower-facing process is handled through GAP Equity Loans.

Useful details to send:

Borrower or contact name
Property location with Google Maps, Waze, or WhatsApp pin-drop
Requested loan amount
Estimated property value
Property type
Use of funds
Repayment or exit strategy
Any known mortgage, lien, or title issue

How It Works

GAP Investments handles the lending process.

A good referral does not require you to explain private lending or structure the loan. Your role is to identify a possible opportunity and make the introduction.

GAP reviews the file, discusses the borrower situation, evaluates the property, considers the loan-to-value, and determines whether the opportunity may be suitable.

Simple referral process:

You identify a potential borrower or project
You send the basic details to GAP Investments
GAP reviews the opportunity
GAP handles the lending discussion and structure
If the loan closes, you are paid the referral fee

Best Referral Sources

Good referrals often come from everyday property conversations.

Many good loan referrals come from normal conversations with people who own property, are building, renovating, selling, buying, expanding, or trying to unlock liquidity from Costa Rica real estate.

Construction or renovation

Owners needing funds to complete, improve, or expand a property.

Business capital

Property owners needing funds for a business purpose or strategic opportunity.

Bridge financing

Owners needing short-term capital while waiting for a sale, refinance, or other exit.

Real estate purchases

Buyers or owners needing private capital to complete a property-related transaction.

Development situations

Landowners or developers evaluating financing for a larger real estate opportunity.

Liquidity needs

Property owners who need to access equity without going through a traditional bank process.

What Usually Does Not Work

Not every referral becomes a loan.

Some referrals are not suitable because the numbers, property, structure, or borrower expectations do not support a private lending transaction.

Excessive loan request

The requested loan is too high compared to the property value.

Weak location or asset

The property may be difficult to value, difficult to market, or not strong enough as collateral.

Unclear ownership

Title, corporate structure, liens, or ownership issues may prevent the deal from moving forward.

Missing basic details

Without location, property type, loan amount, value estimate, and use of funds, review is difficult.

Unrealistic exit strategy

The borrower does not have a practical repayment, refinance, sale, or exit plan.

Unprepared borrower

The borrower is not serious, not responsive, or not ready to provide basic information.

Important Positioning

GAP Investments does not pool investor money.

Opportunities are reviewed individually. GAP Investments does not present itself as the lender, does not pool investor money, and does not accept deposits. Referral opportunities are reviewed based on deal structure, lender profile, documentation, and availability.

Contact Details

Need to speak with GAP first?

If you are interested in becoming a referral partner, send your information through the form below or contact GAP directly.

GAP contact information

Referral partner questions:

WhatsApp: +506 4001 6413

USA/Canada Call: 855-562-6427

Email: info@gap.cr

Join The Program

Become a GAP Referral Partner.

Tell us who you are and how to reach you. A member of the GAP team will contact you, explain how the referral program works, and answer any questions you may have.