About Us

Grupo GAP was built on a simple understanding: expatriates face unique challenges when entering Costa Rica’s financial and property markets. Traditional banks often restrict lending to non-residents, making it difficult for foreigners to invest, develop, or purchase property. Grupo GAP’s team recognized these obstacles early and developed a holistic model that provides clear pathways to financing, residency, and opportunity.

The Origins of Grupo GAP: Solving a Market Problem No One Else Addressed

The company’s foundation is rooted in decades of combined expertise across finance, development, immigration, and private lending. Early work in the 2000s focused on helping foreigners access financing options unavailable through local banks, breaking the cycle that had prevented many expatriates from building assets or launching projects in Costa Rica.

A major part of Grupo GAP’s growth came through its collaboration with seasoned immigration experts, which led to the formation of CRIE (Costa Rica Immigration Experts)—a dedicated division focused on helping clients secure residency and legal status, unlocking long-term financial opportunity in the country.

As demand expanded, the organization naturally evolved into a full-service ecosystem. GAP Real Estate provided property guidance, GAP Investments introduced structured private lending opportunities, and GAP Equity Loans became a trusted channel for real estate–backed loans. Over time, Relocate CR was added to support clients needing comprehensive relocation assistance.

A Team Built on Experience, Strategy, and Long-Term Industry Presence

For many years, Grupo GAP has been strengthened by a core team of professionals, each bringing specialized expertise that contributes to the company’s long-term success.

Glenn Tellier – Finance & Market Strategy
With decades of experience in financing, consumer markets, and international investment, Glenn provides the financial vision and strategic direction behind Grupo GAP’s lending and immigration model. His background includes securing hundreds of millions in financing in North America and identifying early the structural barriers expatriates face in Costa Rica. Glenn’s practical understanding of borrower needs, investor expectations, and market gaps has shaped the company’s service offerings from the beginning.

Lawsen Tellier – Operations, Real Estate, & Investor Relations
Lawsen contributes a modern, results-driven approach to operations, lending processes, and real estate development oversight. His work focuses on optimizing internal systems, improving client experience, strengthening investor relations, and ensuring each division operates cohesively within the Grupo GAP ecosystem. His hands-on approach and understanding of both borrower and investor needs make him a key driver of day-to-day execution and long-term planning.

Steven James Stewart – Strategic Advisor, Development & Capital Structuring
With more than 35 years of international experience in real estate development, capital structuring, and infrastructure finance, Steven plays a key role in shaping GAP’s high-value projects. A permanent resident of Costa Rica since 2004, he has overseen numerous residential, commercial, and hospitality developments. His background includes managing complex capital stacks, advising on Limited Partnerships, and collaborating with top-tier Costa Rican firms such as Edificar, Constructora Meco, and Arquitectos y Diseños. Steven ensures that every GAP-backed project is properly structured, financially sound, and aligned with investor goals.

Robert N. J. Stewart – Senior Consultant
A Chartered Financial Planner with nearly six decades of experience and more than 100 industry awards, Robert brings deep expertise in tax-efficient structures and large-scale financing. After relocating to Costa Rica in 2004, he expanded his international investment portfolio and served as Chairman of a $2.3-billion development initiative. Today, he focuses on designing tax-efficient project frameworks and connecting developers with reputable financial institutions. Robert is known for his strategic clarity, integrity, and ability to unite key partners around major investment opportunities.

A Unified Ecosystem for Foreign Investors, Expatriates, and Developers

With expertise spanning finance, development, immigration, real estate, and private lending, the Grupo GAP team offers a comprehensive support system unmatched in Costa Rica. Whether someone needs residency, private funding, property acquisition, or guidance for large-scale development, the company delivers the clarity, structure, and strategic insight required for success.

Today, Grupo GAP stands as a cornerstone in Costa Rica’s expatriate and investment landscape—connecting people, enabling access, and opening doors to opportunities that were once out of reach.