Earn one percent on funded loan referrals.
You do not need lending experience. You do not need to process paperwork. You do not need to explain loan structure. Send us a good lead, and if the loan closes, we pay you one percent of our commission as a referral fee.
You connect the borrower. We handle the loan review.
This can be occasional side income for someone who hears about deals from time to time, or it can grow into a serious income stream for the right person who actively looks for good loan opportunities.
Your role is simple: identify borrowers who own property in Costa Rica and may need to borrow against it.
No lending experience needed. No need to explain financing. No paperwork. Your job is to introduce a good lead. GAP Equity Loans handles the review, structure, and process.
The referral process is straightforward.
This is one of the easiest referral opportunities in Costa Rica because you are not the one underwriting the deal, reviewing documents, or closing the loan.
Identify A Possible Borrower
You hear about someone who owns property in Costa Rica and may need capital.
Ask Basic Questions
You collect simple details about the property, loan amount, use of funds, and location.
Send The Deal To Us
You send the information to GAP Equity Loans so the file can be reviewed properly.
We Review The File
We review the property, structure, documentation, lender fit, and overall file quality.
We Handle The Process
If the file appears to fit, we coordinate the structure and process through the closing.
You Get Paid If It Closes
When the loan closes, you receive your referral fee based on the program terms.
How much you get paid
We pay one percent on every loan that closes.
We do not pay when someone is just interested. We pay when the loan actually closes. That protects everyone and keeps the program focused on real, fundable deals.
Quality matters more than quantity. A good deal that closes is worth far more than ten weak referrals that go nowhere.
Example referral fee on a US$100,000 funded loan.
Example referral fee on a US$200,000 funded loan.
Example referral fee on a US$300,000 funded loan.
Ask these basic questions first.
If you can provide these details up front, you will save time, filter out weak deals, and increase your chances of getting paid.
- How much do they want to borrow?
- What do they believe the property is worth?
- Where is the property located?
- Can they send a Google Maps, Waze, or pin-drop location?
- What type of property is it?
- Is there an existing mortgage or lien on the property?
- What will the money be used for?
- How quickly do they need the funds?
What makes a good referral?
The best referrals are not random names. They are realistic loan opportunities with enough information to begin a proper review.
Strong Location
Properties in stronger, more marketable areas are generally easier to review.
Reasonable Loan Amount
The requested amount should make sense compared with the estimated property value.
Clear Use Of Funds
The borrower should have a practical reason for the loan, preferably tied to the property.
Marketable Property
The property should be understandable, usable, and easier to evaluate.
Realistic Numbers
The value, loan amount, and overall request should not be inflated.
Basic Information Included
Good referrals come with enough details to quickly understand whether the file may fit.
In general, lower loan-to-value deals are stronger. When the requested loan amount is too high compared to the property value, the file is usually weak from the start.
What Usually Makes A Bad Referral
- Bad location
- Property in a low-demand area
- Borrower wants too much relative to the property value
- Numbers do not make sense
- The value is exaggerated
- The deal is sent without basic information
We are looking for deals that can actually close.
We are not looking for every possible lead. We are looking for good leads that can actually close.
A realistic referral with clean basic information is much more valuable than a large number of weak leads.
This program can fit many people with the right network.
You do not need to do this full time. Some people will send occasional deals when they hear about them. Others may choose to actively look for strong files and build this into a meaningful income stream.
Expats In Costa Rica
People living in Costa Rica who regularly 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
Anyone who talks with property owners and business owners in Costa Rica.
Good referrals often start with simple conversations.
Many of the best opportunities come from simple conversations. Someone mentions they need money for a business, renovation, project, or property-related situation, and that is where a good referral can start.
- 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 liquidity
Where lenders tend to focus in Costa Rica
Strong location does not guarantee approval, but it absolutely helps. Better locations usually mean a more marketable property, a stronger file, and a better chance the deal makes sense.
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
Simple process. Real opportunities. Paid when the loan closes.
One Percent Referral Fee
We pay one percent when the referred loan closes.
Simple Referral Process
You send the lead. We handle the review, structure, and closing process.
No Loan Processing
You do not need to underwrite the loan or manage the file yourself.
Part-Time Or Bigger
You can send occasional leads or build a stronger referral pipeline.
Repeat Income Potential
Good contacts can lead to future referrals and repeat opportunities.
Quality Matters
Clean, realistic referrals have a much better chance of moving forward.
Start referring loan opportunities in Costa Rica.
Email us and we will explain how to send deals the right way. The easier you make it for us to review the file, the better your chances of getting paid.