Borrow Against Your Tamarindo Hotel or Property
GAP Equity Loans arranges private loans against titled hotels, guesthouses, commercial buildings and homes in Tamarindo and along the Guanacaste coast. The property is what qualifies you — no bank, no credit score, no income verification.
Loans from US$50,000 and up. Interest-only payments, terms from 6 months to 3 years, up to 50% of the property value with around 30% or less preferred. Nothing to pay up front.
Tamarindo is a market lenders already understand.
Tamarindo is one of the best-known beach towns in Costa Rica. Hotels, guesthouses, restaurants and rental homes change hands there regularly, and visitors arrive all year through Liberia airport. For a lender that means comparable sales exist, values can be supported, and an exit is easier to picture.
The first question is the land, not the hotel. Along the beach, much of the land sits in the maritime zone, where a hotel normally holds a concession rather than a title. GAP lends only against titled property registered in the National Registry. A hotel with its own title can qualify. A hotel on concession land cannot.
Hotel loans in Tamarindo, for the work that comes next.
- Buying a boutique hotel, guesthouse or lodge
- Renovating rooms, the pool or the restaurant
- Adding rooms or cabins on titled land
- Bridging a period before a sale, a refinance or incoming capital
- Construction funded in stages, agreed for each loan
Very large projects of US$1 million and up are handled as project funding, with their own process.
What the property needs to be worth.
The standard maximum is 50% of the value GAP determines, and around 30% or less is preferred. In round numbers, a US$450,000 loan at the 50% maximum needs titled property worth at least US$900,000. At the preferred 30%, the property would be worth about US$1.5 million.
The hotel’s income matters as a source of repayment, but the loan is secured by the real estate: a first-position mortgage registered in the National Registry, with any existing mortgage paid off at or before closing.
GAP does the checking before a lender sees the file.
Title and liens
A title search in the National Registry. Any existing mortgage is paid off at or before closing, so the lender holds first position.
Permits and water
Operating and construction permits, and whether the local water association (ASADA) will issue a water letter. Water decides deals on this coast.
A value and a repayment plan
The loan is sized from what the property is worth, not what it is listed at. Payments are monthly and interest-only with the principal due at maturity, so the exit, a sale or a refinance, is set out up front. Tourism income has seasons, and the plan allows for them.
If the hotel is held in a company.
Many Tamarindo hotels sit inside an S.A. or an S.R.L. That is not a problem for a property-backed loan. The company documents become part of the file.
Tamarindo hotel loans, answered.
Can I borrow against a beachfront hotel in Tamarindo?
Only if it sits on titled property. Hotels on maritime-zone concession land do not qualify for GAP loans.
Is the loan based on the hotel’s revenue?
No. It is secured by the real estate and sized from the property value. Income matters as a source of repayment.
How fast can it close?
GAP closes loans within 10 business days once the required documents are complete. Bank loans can take many months.
Do I need to be a resident?
No. Borrowers of any nationality can apply, residency is not required, and no credit score is required.
Send the property and the amount you need.
That is enough to begin. GAP will tell you what the file still needs and prepare it for a private lender.