Earn up to 20% of GAP’s commission on a referred loan accepted by GAP that closes and funds.
GAP Equity Loans works with referral partners who introduce qualified property owners in Costa Rica who may need private property-backed financing. Earn up to 20% of GAP’s commission on a referred loan accepted by GAP that closes and funds.
A good referral can be worth real money.
Earn up to 20% of GAP’s commission on a referred loan accepted by GAP that closes and funds.
This program is for people who know property owners, investors, builders, business owners, agents, or expats in Costa Rica who may need private property-backed financing.
Your role is simple: introduce a real borrower with suitable Costa Rica property and enough basic information for GAP to review the file.
Of GAP’s commission on an accepted referred loan that closes and funds
No lending experience is required. You introduce the lead. GAP reviews the file.
Important: referral partners should not quote loan terms, promise approval, promise funding, give legal advice, or explain lending structure as if they represent the lender. Send the lead to GAP so the file can be reviewed properly.
A practical referral process for property-backed financing.
Referral partners make a helpful introduction, share the basics with permission, and let GAP lead the review process.
Tell The Property Owner About GAP
Share GAP Equity Loans as a resource for private property-backed financing in Costa Rica.
Make The Introduction
Introduce the property owner to GAP or provide their contact information with permission.
Share The Basic Details
Give GAP enough information to begin reviewing the property-backed loan request.
GAP Leads The Process
GAP reviews and prepares the opportunity, then coordinates it with an appropriate private lender. Members of the GAP team may also participate as lenders in selected opportunities.
How much can a referral partner earn?
Referral compensation is based on GAP’s commission and applies only when an accepted referred loan closes and funds under GAP’s written referral terms.
Examples
Example referral compensation may be approximately:
US$50,000 funded loan
US$100,000 funded loan
US$150,000 funded loan
US$250,000 funded loan
US$500,000 funded loan
Examples are for illustration only. Referral compensation depends on GAP’s commission and the written referral terms for the accepted loan.
Ask these basic questions first.
Good referrals usually come with enough information for GAP to understand whether the request may be worth deeper review.
- How much does the borrower want to borrow?
- What does the borrower believe the property is worth?
- Where is the property located?
- Can the borrower send a Google Maps, Waze, or WhatsApp pin drop?
- What type of property is it?
- Is there an existing mortgage, lien, or legal claim on the property?
- What will the money be used for?
- How does the borrower plan to repay the loan?
- Is the property owned personally or by a corporation?
What makes a strong referral?
The best referrals are not random names. They are realistic loan opportunities with enough information to begin a proper review.
Stronger Location
Properties in more marketable areas are usually easier for private lenders to understand and review.
Reasonable Loan Amount
The requested amount should make sense compared with the estimated property value and risk profile.
Clear Use Of Funds
The borrower should have a practical reason for the loan, preferably tied to a property, business, construction, or project purpose.
Marketable Property
The property should be understandable, usable, accessible, and realistic to evaluate.
Realistic Numbers
The estimated value, requested loan amount, and repayment plan should be realistic.
Basic Information Included
Good referrals include enough details to understand whether the file may be suitable for review.
Lower loan-to-value requests are usually easier to review. Some requests may be reviewed up to around 50 percent loan-to-value, but stronger files are often closer to 30 to 40 percent loan-to-value. Lower leverage does not guarantee approval or funding.
What To Clarify Before Sending A Referral
- Property in a difficult or low-demand location
- Loan amount is too high compared with property value
- Estimated value appears inflated
- Use of funds is unclear or unrelated to the property
- Borrower cannot explain repayment plan
- Existing liens, title problems, or legal claims are unclear
- The lead is sent without basic information
We are looking for referrals that can be reviewed seriously.
GAP focuses on clear, realistic referrals from property owners with enough information to begin a private lender review.
A realistic referral with clean basic information is far more useful than a large number of weak leads.
This program can fit people with the right network.
Some referral partners may send only occasional leads. Others may work more actively with property owners, builders, agents, or business owners who need financing tied to Costa Rica real estate.
Expats In Costa Rica
People living in Costa Rica who hear about property owners needing capital.
Real Estate Agents
Agents and brokers who meet property owners, buyers, sellers, and investors.
Property Managers
Managers who work directly with owners and understand property-related needs.
Contractors And Builders
People around construction, renovation, and unfinished project situations.
Job Site Contacts
People who visit active projects and hear when owners need funding.
Business Connectors
People who speak with property owners and business owners in Costa Rica.
Good referrals often start with simple conversations.
Many useful referrals come from everyday conversations. Someone mentions they need money for a business, renovation, project, construction, refinance, or property-related situation, and that may be where a referral starts.
- Construction sites
- Renovation projects
- Conversations with property owners
- Business owners who need capital
- People improving, expanding, or refinancing real estate
- Expats who own property but need short-term liquidity
Where private lenders often focus in Costa Rica
Strong location does not guarantee approval or funding, but it can help. More marketable locations may make the property easier to review, value, and understand.
Referral partners should still send the basic details even if the property is outside these areas. The file must be reviewed case by case.
Central Valley
- San José
- Escazú
- Santa Ana
- Heredia
- Alajuela
Central Pacific
- Jacó
- Herradura
- Manuel Antonio
South Pacific
- Uvita
- Dominical
- Ojochal
Guanacaste / Nicoya
- Tamarindo
- Flamingo
- Conchal
- Brasilito
- Papagayo
- Santa Teresa
- Nosara
Keep the introduction clear and professional.
Do Not Promise Approval
Only private lenders can decide whether a request moves forward after review.
Do Not Quote Rates Or Terms
Rates, terms, fees, and structure are reviewed case by case and must come from GAP or the lender review process.
Do Not Give Legal Advice
Security structure, title, liens, closing documents, and legal requirements must be handled by qualified professionals.
Send Clear Details
Location, value, requested amount, use of funds, liens, and repayment plan help GAP review the file.
Quality Matters
Clean, realistic referrals have a better chance of being reviewed seriously.
Payment Requires Closing
Referral fees depend on accepted written referral terms and a completed, funded closing.
Submit your referral directly to GAP.
When you submit a referral through the GAP referral form, we record the referral partner’s contact information, the borrower information provided, and the submission date. GAP confirms receipt so there is a clear record of the introduction. Referral eligibility and payment remain subject to GAP’s written referral terms, including rules for duplicate referrals and borrowers already known to GAP.
Interested in Becoming a Referral Partner?
If you know property owners or project sponsors in Costa Rica who may need property-backed financing, we would be happy to explain how the referral program works.
Already Have a Loan Referral to Submit?
Use the form below when you have a real borrower or property-backed loan opportunity to introduce to GAP.
Start referring property-backed loan opportunities in Costa Rica.
Email GAP Equity Loans and we will explain how to send referrals the right way.