Costa Rica Loan Referral Partner Program
A professional referral program for people who can introduce qualified Costa Rica property-backed lending opportunities to GAP Investments.
A simple referral relationship for serious property-backed loan opportunities.
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.
The GAP Investments referral partner program is designed for professional introductions. You introduce the opportunity. We review, structure, coordinate, and manage the lending process.
You are not responsible for underwriting, documentation, lender matching, legal structure, or the closing.
Referral partners are paid when a referred loan closes.
The standard referral fee is one percent of the funded loan amount, paid when the loan closes.
Examples:
US$100,000 loan = US$1,000 referral fee
US$250,000 loan = US$2,500 referral fee
US$500,000 loan = US$5,000 referral fee
We do not pay for general inquiries. Referral fees are paid only when a referred opportunity is funded and the loan closes.
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 & Brokers
Agents and brokers who meet property owners, buyers, sellers, and investors who may need private financing.
Builders & 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 & 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.
You introduce the opportunity. 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 Investments 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
- We review the opportunity
- We handle the lending discussion and structure
- If the loan closes, you are paid the referral fee
Basic information helps us review the opportunity faster.
You do not need a full loan package. A few basic details are enough to start the conversation.
Borrower Basics
Name, contact information, and a short explanation of what they are trying to do.
Property Location
A Google Maps, Waze, or WhatsApp pin-drop location is very helpful.
Loan Amount
The amount requested and a rough idea of the estimated property value.
Property Type
Residential, commercial, land, construction, mixed-use, or another real estate category.
Existing Debt
Whether there is an existing mortgage, lien, annotation, or other issue affecting the property.
Use Of Funds
What the borrower needs the money for and how they expect to repay or exit the loan.
A strong 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 US$500,000 and the borrower requests US$250,000, that is a 50 percent loan-to-value.
A good referral is not just a name. It is a real opportunity with enough information to begin a proper review.
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.
You do not need to structure the deal.
Referral partners are not expected to explain private lending, negotiate terms, review title, calculate the full loan structure, or coordinate the closing.
GAP Investments handles the review and coordination once a proper introduction is made.
We Handle:
- Initial opportunity review
- Borrower conversation
- Property and location review
- Loan-to-value review
- Lender matching where appropriate
- Documentation coordination
- Closing coordination
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.
Helpful pages before sending a referral
Property-Backed Lending
Understand the core private lending model secured by Costa Rica real estate.
How Lending Works
Review how the lending process works from initial file review through the closing.
Why Deals Do Not Move Forward
Learn why some referrals may not be suitable for private lender review.
Have a property-backed loan referral in Costa Rica?
Send GAP Investments the basic details and we will review whether the opportunity may fit the private lending process.