A disciplined Costa Rica lending channel for professional capital
GAP Investments welcomes confidential discussions with family offices, private-credit managers, mortgage and real-estate debt funds, finance companies, and other professional capital providers interested in selected Costa Rica property-backed lending opportunities.
The objective is simple: build a dependable lending relationship around agreed standards, careful local review, controlled legal closing, and clear reporting. Each opportunity must stand on its own. Capital providers decide what fits their mandate, risk tolerance, and documentation requirements.
Why work with GAP Investments?
GAP Investments focuses on the work that matters before capital is committed: finding suitable opportunities, coordinating the initial review, identifying the property security, examining title and existing liens, clarifying the borrower’s purpose and repayment plan, and supporting the legal closing process.
For the right capital partner, this can provide a local Costa Rica lending channel without rebuilding the same groundwork on every file.
What a professional-capital relationship may include
- Defined lending criteria agreed in advance
- Selected, property-backed loan opportunities for review
- First-position mortgage security where appropriate
- Review of ownership, title, liens, access, location, value, and marketability
- Clear attention to loan-to-value, borrower purpose, payment source, maturity, and repayment plan
- Experienced Costa Rica attorney/notary coordination for the closing structure
- Documented payment, servicing, maturity, and reporting expectations
How GAP reviews a potential loan
- Initial fit. We first consider the property, requested amount, proposed use of funds, borrower, term, and proposed repayment path.
- Security review. The review looks at title, ownership, existing obligations, property access, realistic market value, location, and the ability to sell the property if necessary.
- Closing structure. If the opportunity moves forward, the parties work through the legal documents, first-position security where applicable, lien payoff requirements, funds flow, and closing instructions.
- Ongoing administration. The relationship should have clear expectations for payments, reporting, maturity dates, extensions, and any issue that needs attention.
A relationship can begin carefully and grow properly
A professional capital relationship does not need to begin with a large commitment or a one-size-fits-all structure. The sensible first step is a confidential discussion of the capital partner’s mandate, underwriting requirements, preferred loan size, geography, collateral standards, term, reporting needs, and legal structure.
Selected opportunities can then be reviewed individually. If both sides are satisfied, the relationship may grow under an agreed and legally appropriate structure.
Who this page is for
- Family offices with a private-credit or real-estate debt allocation
- Private-credit, mortgage, and real-estate debt fund managers
- Finance companies and professional capital providers
- Advisers or managers seeking a Costa Rica lending channel for qualified clients or mandates
Frequently asked questions
Does GAP Investments work with fund managers and professional capital providers?
Yes. GAP Investments welcomes confidential discussions with family offices, private-credit managers, funds, finance companies, and other professional capital providers. The right structure depends on each organization’s mandate, underwriting requirements, and legal advice.
Does a capital partner need to make a large commitment from the beginning?
No. A relationship can begin by reviewing selected opportunities one at a time. If both sides are satisfied with the standards, documentation, closing, reporting, and results, it may grow under an agreed structure.
How are potential loans reviewed?
Before a capital provider decides whether to proceed, the review may include the property, ownership, title, existing liens, access, realistic value, location, loan-to-value, borrower purpose, payment source, maturity, and repayment plan. Each party should complete the due diligence it considers necessary.
Is every loan secured by a first-position mortgage?
First-position mortgage security is an important goal where appropriate, but it must be confirmed in the legal documents and registration process for the specific loan. The closing attorney/notary should verify the actual security and any lien-payoff requirements.
Does GAP Investments promise a return or a funding outcome?
No. GAP Investments is not a bank and does not promise a return, approval, funding amount, timing, or outcome. Property-backed lending involves real borrower, title, valuation, market, liquidity, legal, enforcement, currency, and country-related risks.
Does GAP Investments pool capital as its standard model?
No. GAP Investments does not present pooled capital as its standard model. The appropriate structure, economics, and documentation must be agreed privately for each relationship with the right legal, tax, and investment advice.
Important considerations
Each capital provider should use its own legal, tax, and investment advisers and complete its own due diligence. The appropriate structure, economics, and documentation must be agreed privately for each relationship.
Start a confidential conversation
If your organization is interested in discussing a disciplined Costa Rica property-backed lending channel, contact GAP Investments to discuss your criteria and the type of relationship that may fit.
Lend at 9–10% — Where the Deals Are Most Deal Flow
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