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Choosing the Right Locations for Loans in Costa Rica

Choosing the Right Locations for Loans: A Guide by Gap Investments

Regarding private loans, location is as crucial as when purchasing real estate. At Gap Investments, we understand that the right locations for loans can significantly impact the value. In this guide, we’ll explore some of the best locations for private loans in Costa Rica and what factors we consider before approving a loan.

Loans in the GAM – Gran Área Metropolitana

The Greater Metropolitan Area of San José, or GAM, is a popular location for private loans. Many investors prefer this area because they know it well. The GAM is the economic engine of Costa Rica, with a thriving services and manufacturing industry. This makes it a safe investment, as the rental and resale potential is attractive for lenders needing possession of the property.

Choosing the Right Location for Loans on the Beaches

When choosing the right location for loans, Costa Rica’s beaches are another great option. Despite fluctuations in the local economy, beaches are typically resilient, making them a popular choice for investors. With the continuous expansion of the tourism industry, there are opportunities in the hospitality sector, such as Airbnb units. At Gap Investments, we have worked with private lenders on successful one to three-year terms for these types of loans. To ensure the borrower’s success, we assess the potential of the upcoming bookings as part of our due diligence process.

It’s important to note that not all tourist areas are equal. Gap lenders like funding loans on popular beach towns like Santa Teresa, Nosara, Tamarindo, Jacó, Quepos, Dominical, and many other great beaches.  

Assessing Locations with Gap Investments

Gap Investments performs surveys during site visits to assess the area’s potential. We consult with professionals such as realtors, restaurant owners, and lawyers to gather timely and helpful information. We examine accessibility, amenities, and attractions to determine the loan’s value. As part of our approval process, we discuss why the borrower needs the loan and evaluate the area’s potential.

Secure Loans with Gap Investments

At Gap Investments, we aim to provide safe and secure loans to private lenders. We offer a valuable service to those looking to increase without relying on the slow process of local banks. Our thorough approval process ensures that we only approve loans in areas with potential, providing borrowers with the best opportunity for success.

As part of our approval process, we always know why a borrower needs the loan. Nothing is better to hear than: “We are expanding due to our success!”


Choosing the right location for loans is crucial. Whether you prefer the GAM or the beaches, Gap Investments can help you assess the area’s potential and provide a safe and secure loan. Contact us today to learn more about our services.

-Written by Glenn Tellier (Founder of Grupo Gap)

[email protected]


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    Frequently Asked Questions

    What is a loan?

    A loan is an amount borrowed from a lender expecting to be paid back with interest over a specified period.

    What are the types of loans available?

    There are various types of loans available, including personal loans, business loans, student loans, auto loans, mortgage loans, and equity loans.

    What is the interest rate for loans?

    The interest rate for loans varies depending on the type of loan, the lender, and the borrower’s creditworthiness. Comparing interest rates from different lenders before taking out a loan is essential.

    Where is the right location for loans?

    Gap lenders like providing loans in popular beach towns such as Santa Teresa, Nosara, Tamarindo, Jacó, Quepos, Dominical, and many more.

    How do I qualify for a loan?

    To qualify for a loan, you must meet the lender’s requirements, including having a good credit score, a stable income, and a low debt-to-income ratio. The specific requirements will vary depending on the type of loan and the lender.

    What is investing?

    Investing is allocating money to an asset or a venture with the expectation of generating income or profit over time.

    What are the types of investments available?

    Various investments are available, including stocks, bonds, mutual funds, real estate, and alternative assets like cryptocurrency and commodities.

    What are the risks associated with investing?

    Investing always carries some level of risk, and the specific risks will vary depending on the type of investment. For example, stocks are subject to market volatility, while local economy and housing market changes can impact real estate investments.

    How do I start investing?

    To start investing, you should set investment goals and determine your risk tolerance. Then, you can research different investment options and open an investment account with a reputable broker or financial institution. It is essential to regularly review your investments and make adjustments as needed to stay on track toward your goals.



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