Start your property-backed loan review.
If you own property in Costa Rica and want us to review a loan request, the best first step is to send the basics clearly.
Send the basics clearly.
We do not need a long story on day one. We need enough information to understand the property, the amount requested, and what the funds will be used for.
The cleaner and more sensible the file is, the easier it is to review. In many cases, we can move quickly when the borrower has the right information ready from the beginning.
Most files are reviewed within 24 to 72 hours depending on complexity.
This form is for real estate-backed loan requests in Costa Rica.
This may include:
- A home equity loan
- A commercial property loan
- A construction-related loan
- A larger project financing request
If your request is tied to an existing property and a sensible use of funds, this is the right place to start.
What We Need From You
- The property location, ideally as a Google Maps pin, Waze link, or WhatsApp pin drop
- Your estimate of the current property value
- The amount you want to borrow
- A short explanation of what the money will be used for
- Your name and best contact details
Start Your Property Review
Tell us a few details about your property and what you need. Most reviews are completed within a few business days.
Not ready to submit a full request?
If you are not ready to complete the full form yet, you can still contact us first and give us the basics.
Larger deals and project financing are reviewed differently.
If your request is for a larger project, typically US$1M+, we may require a more structured file before moving forward.
This usually includes organizing key documents in a single Google Drive folder with clear labeling. A clean and organized file allows for a faster and more serious review.
You do not need to prepare everything before submitting this form, but it is helpful to understand that larger opportunities are reviewed differently.
What makes a stronger file?
Some loan requests are easier to review than others. In general, stronger files usually have a few things in common.
Good Location
A property in a location that makes sense and can be reviewed realistically.
Realistic Loan Amount
The requested amount should make sense compared with the property value.
Sensible Use Of Funds
The request is stronger when the money is tied to the property or a practical property-related purpose.
Cleaner Documents
Clean documents, or issues that can be fixed clearly, make the review easier.
Prepared Borrower
A borrower who is responsive and organized helps the process move faster.
Clear Structure
The overall request should make practical sense for the borrower and lender.
The strongest opportunities are usually not random cash-out requests. They are often loans tied to improving a property, completing construction, adding useful improvements, or supporting an income-producing plan tied directly to the real estate.
Important things to know before you submit
We do not focus on debt consolidation. In general, the requests that make the most sense are the ones where the loan is helping improve, complete, stabilize, or support the property being used as collateral.
For standard property-backed loans, many files are often around 12 percent, depending on the file. Typical terms are often 6 months to 3 years. These are general guidelines only, not guarantees.
Better files usually create more lender interest. Location, condition, loan-to-value, documentation, and the overall logic of the deal all matter.
Loans may go up to 50 percent loan-to-value in some cases, but lower leverage is usually stronger. For example, if a property is worth 500,000 US dollars and the loan request is 250,000 US dollars, that is 50 percent loan-to-value.
If there is already a loan in first position on the property, that usually needs to be paid off out of the new loan proceeds at the closing so the new lender can move into the required position.
How fast can the process move?
We can often close in about 10 days if the file is clean and the borrower has everything ready.
In reality, many delays come from issues that still need to be fixed before a closing can happen.
Common Delay Points
- Unpaid property taxes or other government-related items
- Missing documents
- Title or registration problems
- Unclear use of funds
- Borrower delays in providing information
Choose the right path for your request.
If your request is for a larger development, shovel-ready project, or more complex project financing opportunity, we may review it differently from a standard property-backed loan.
Property-Backed Loans
If your request is tied to a home, commercial property, or standard construction-related borrowing, this is usually the right starting point.
Project Financing
If your request involves a larger development, shovel-ready project, or more complex opportunity, review the project financing page as well.
Helpful next pages
Ready to send your basic details?
Use the form above to send your property location, estimated value, requested loan amount, and use of funds so we can review the file.