skip to Main Content

The right location for loans

Choosing the right locations for making loans is crucial, just as in purchasing real estate. Location is a significant factor in our value on loans at Gap Investments.

Loans in the GAM – Gran Área Metropolitana

For example, many investors only want to do loans in the GAM, the Greater Metropolitan Area of San José, Costa Rica. One reason is that many investors only really know that area well.

The GAM has many obvious potentials because it is the economic engine that drives Costa Rica in services and manufacturing. What makes the GAM an obvious safe investment is that the rental and resale potential is more attractive if a lender has to take possession.

Loans on the Beaches

Costa Rica’s beaches can be a great place to invest, as they can be pretty resilient regardless of the local economy. Tourism offers opportunities in the hospitality industry for loans (such as Airbnb units) as they continually expand. Private lenders we work with have done quite a few of these for one to three-year terms, and they have worked out very successfully. As part of our extensive due diligence, we look at their upcoming bookings and assess their potential before approving a loan.

To be clear, not all tourist areas are the same. Places like Santa Teresa, Tamarindo, Jacó, and Quepos are the obvious favorites. However, other areas such as Nosara house the infrastructure (food, supplies, construction materials, etc.) and workers that service many beach communities.

You may drive through these towns on your way to the beaches without realizing that these many towns are good opportunities for loans as well. They are growing to meet the ever-growing tourism industry’s needs benefiting Costa Rica.

As part of our approval process, we always know why a borrower needs the loan. Nothing is better to hear than: “We are expanding due to our success!”

Gap Investments Assesses Locations

Because we visit many places during our site visits, we continuously perform surveys of how well that particular area is doing. Realtors, restaurant owners, lawyers, and other professionals provide us with a wealth of timely, helpful information on the site.

Not all of the coastal areas are thriving, but many are. The differences can be attributed to infrastructure deficiencies such as accessibility or even what beaches offer.

Are these beaches great for surfing? Are they clean? What are the amenities like? Are there any particular attractions? These are some of the factors we look into.

Secure Loans with Gap Investments

We are in business to help provide safe, secure loans to private lenders we work with and provide a valuable service to many people that are successfully trying to grow quickly — without having to wait on the glacial movement of local banks.


-Co-written by Lawsen Parker (Operations Manager) and Glenn Tellier (Founder of Grupo Gap)


For more information about investing in loans in Costa Rica, whether in the GAM or on the beach, contact us now!




* indicates required

This Post Has One Comment

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.