Hospitals. Airports. Large malls and retail centres. Resorts and hotel developments. Mixed-use districts and major residential developments. Industrial and logistics parks. Roads, ports, energy and water infrastructure. Public-private and government-related projects. If you are planning a project of this scale in Costa Rica, GAP works with capital partners who fund at this level.
This page is for serious Costa Rica projects seeking US$1 million and up, with no ceiling. It is not for residential or routine property-backed loan requests — those start at US$50,000 and are handled elsewhere on this site.
The strongest opportunities have a defined project, experienced sponsors, realistic budgets, clear property rights, and a practical plan for construction, operations, repayment, refinancing or sale.
Large sponsors, developers, operators and institutions are exactly who we want to talk to. Bring the project and the people behind it, and we will tell you honestly whether it fits.
This is institutional capital, structured around a project rather than a single property. The term runs in years, matched to the build and the payback. The money is usually released in staged drawdowns as the project hits its milestones, rather than in one payment at closing. Security sits over the project — the land, the works, the contracts and the sponsor behind them.
Pricing is set by the project, the security and the strength of the sponsor, and for a well-prepared project it is highly competitive with international bank financing. We will not quote before we have read your file. Any lender who gives you a number first is guessing, and a guess is worth nothing when you go to build.
Some opportunities may suit a single capital source. Others may require staged capital, construction funding, refinance planning or a broader institutional review. The first goal is to understand the full project and decide whether its structure is right for a more detailed discussion.
GAP works with funding partners from US$50,000 to US$100,000,000 and above. The middle ground, from US$1 million upward, is where most Costa Rica developers have historically been stuck — too large for a private lender, too small or too unfamiliar for an international bank. That is the gap we now cover.
GAP may review major hotel and hospitality developments, hospitals and medical facilities, shopping malls, commercial buildings, mixed-use developments, institutional properties, large residential developments, and major infrastructure — airports, roads, ports, energy, water and public facilities. Government-related and public-private projects are welcome, and we would like to hear about them.
Each project is considered on its own merits. The project, sponsor experience, property position, capital requirement and proposed structure all matter.
- Property ownership, title, surveys and legal structure
- Location, access, water, utilities and site conditions
- Permits, environmental requirements and approvals
- Detailed budget, schedule and use of funds
- Project sponsors and management team
- Market support, feasibility or operating plan
- Available equity, collateral and committed capital
- A practical repayment or exit strategy
You do not need all of it to start a conversation. You do need enough for us to take you seriously, and the stronger the file, the faster the answer.
We are looking for shovel-ready projects: the sponsor already owns the land, and the documentation, plans, permits and approvals are in order so the project can proceed to construction. Funding remains subject to project review and approval.
Water, access, utilities, zoning, permits, environmental requirements, construction approvals and site conditions all need to be addressed as part of project readiness. If anything is incomplete, tell us at the outset.
- Defined project type and current development stage
- Clear ownership, title and legal structure
- Plans, permits, studies and technical information
- Detailed budget and construction timeline
- Market support, financial projections or operating plan
- Sponsor experience and management capacity
- Requested capital amount and intended use of funds
- Capital already invested or committed
- Available collateral and project equity
- Expected construction or operating milestones
- Proposed repayment, refinance, sale or exit plan
- Professionals available to answer legal, technical and financial questions
Start with a concise project summary covering the property location, requested amount, project type, current stage, ownership structure, available collateral, total development budget, capital already invested or committed, and the proposed repayment or exit plan.
Please also include available title information, plans, permits, feasibility material, financial projections, construction budgets, timelines, photographs, and a short background on the sponsors and project team.
Steven Stewart leads GAP’s work on large project sites. If your documentation, plans, permits or approvals are not complete, tell us what is ready and what is missing. GAP can help you understand and coordinate the preparation needed to bring a project to a shovel-ready stage before seeking funding.
Start with a brief project summary, the land ownership status, the funding amount and the current stage of preparation. A readiness discussion is the first step toward identifying the work needed. It is not a funding approval.
If you have a serious, well-prepared project seeking US$1 million and up, contact GAP to begin a confidential discussion. Glenn Tellier, founder of Grupo GAP, handles these personally alongside Steven Stewart.
This page is general information, not an offer of finance. Every facility is subject to project review, documentation and the approval of the funding partner.