Costa Rica financing, private lending & strategic opportunities.
Grupo GAP connects property owners who need financing, private lenders seeking real estate-backed returns, and capital partners with larger Costa Rica opportunities — through one coordinated ecosystem.
Three pathways. One coordinated ecosystem.
Grupo GAP keeps each conversation in the right place. Borrowers go to GAP Equity Loans. Private lenders and capital providers go to GAP Investments. Larger developments, institutional capital, and strategic partnerships are handled directly through Grupo GAP.
GAP Equity Loans
Private property-backed financing secured by Costa Rica real estate. No credit score required, no bank approval, no income verification. Borrowers of any nationality may be reviewed.
- Loans from US$50,000
- Up to 50% loan-to-value
- Terms: 6 months to 3 years
- Interest-only payments
- Foreigners and residents welcome
GAP Investments
The lender-facing pathway for private lenders, family offices, and capital providers reviewing Costa Rica real estate-backed lending opportunities. Set your own capital range and criteria.
- Returns between 9% and 16%
- Secured by titled Costa Rica real estate
- Lender sets terms, LTV and loan size
- Private lending carries risk — no guaranteed returns
Grupo GAP Direct
Development projects, commercial properties, hospitality, institutional capital relationships, and strategic partnerships are coordinated through Grupo GAP. Capital conversations from US$5–30 million and above.
- Development & construction projects
- Commercial and hospitality assets
- Institutional capital relationships
- Strategic partnerships & introductions
Glenn Tellier
Founder & Managing Director
25+ years of lending, financing, investment and transaction experience in Costa Rica and internationally.
A practical Costa Rica financing ecosystem
Grupo GAP was built around a real market need. Property owners need financing options that do not require a US credit profile or bank approval. Private lenders need properly reviewed opportunities backed by titled Costa Rica real estate. Larger projects need structure, documentation, and the right capital conversation.
Grupo GAP brings those parties together through a coordinated ecosystem — directing each conversation into the correct pathway, with realistic expectations and clear information from the start. The goal is not volume. It is the right match, handled correctly.
Led by Glenn Tellier, Grupo GAP draws on more than 25 years of lending, financing, investment, and transaction experience — combined with deep practical knowledge of Costa Rica’s legal, property, and capital landscape.
Glenn Tellier
Founder & Managing Director
Steven Stewart
Lending Coordination
Robert Stewart
Deal Review Support
Lawsen Tellier
Operations Support
An advertised rate only matters if you qualify for the program.
Many borrowers who approach Costa Rica banks do not qualify — or discover the requirements too late. GAP is a different pathway with a different mandate.
Strong US credit score typically required
Minimum loan amounts often US$150,000 or more
Detailed income and asset verification required
Restricted to completed titled homes in select areas
May not review foreign nationals without US ties
Slower approval timelines — weeks to months
No credit score required or pulled
Ordinary requests start at US$50,000
No income verification required
May consider purchases, cash-out, commercial, construction
Borrowers of any nationality may be reviewed
Private lender decisions made locally in Costa Rica
We direct the conversation into the right pathway first.
Not every request fits every pathway. Grupo GAP identifies the right starting point before anything else — saving time for borrowers, lenders, and capital partners.
Tell us your situation
Borrowing, lending, or a larger project? Share the basics — amount, property, timeline, goals — and we identify the correct pathway immediately.
Enter the correct process
Borrowers go to GAP Equity Loans. Private lenders go to GAP Investments. Larger opportunities are handled directly through Grupo GAP.
Move forward with clear information
Grupo GAP provides realistic expectations upfront. We do not move forward without honest assessment — no wasted time for anyone in the process.
Close the right transaction
Every closed transaction passes through legal review, proper documentation, and lien registration. A clean, correctly structured deal that holds up over time.
Insights on Costa Rica Finance & Investment
Practical guides and real answers for investors, property owners, and borrowers navigating private lending and investment in Costa Rica.
Property-Backed Financing Opportunities in Costa Rica
How Grupo GAP structures property-backed loans and investment opportunities for both borrowers and capital partners in Costa Rica.
Property-Backed Financing for Costa Rica Home Purchases
A clear breakdown of how buyers use GAP’s private lending to purchase property in Costa Rica when traditional bank financing isn’t an option.
Property-Backed Financing in Costa Rica | Grupo GAP
Everything you need to know about using property as collateral to access financing in Costa Rica through Grupo GAP’s lending programs.
Ready to start the right conversation?
Whether you need financing, want to put capital to work in Costa Rica, or have a larger project to discuss — Grupo GAP will direct you into the correct pathway.