Costa Rica · Private Lending
Get Capital from Your Costa Rica Property — Without Selling It
Free, no-obligation quote in 24 hours. Keep your title, pay no upfront fees, and get funded in as little as 7 days.
- No upfront fees
- Keep your property title
- Funded in 7–14 days
How It Works
Three steps from property to capital.
01
Submit Your Property
Tell us about your property and how much capital you need.
02
Get Approved
We calculate your LTV ratio and coordinate an independent appraisal.
03
Get Funded
Once approved, your loan is funded and you receive capital within 7–14 days.
Uses
Capital for whatever your property can back.
01
Bridge financing
Close on a purchase before you've sold another property.
02
Business capital
Inject liquidity without selling assets or waiting on a bank.
03
Construction or remodel
Fund new construction or value-adding improvements.
04
Debt consolidation
Roll costly debts into one payment backed by your property.
Check Your Borrowing Power
Use our free LTV calculator to see if your property qualifies.
Estimates only. Final terms depend on appraisal, underwriting, and the executed promissory note.
Why Lender.cr?
Built for serious capital on serious assets.
4–5%
Lower Fees
4-5% origination vs. 8% at traditional brokers.
7–14
Faster
Close in 7-14 days, not 3-6 months.
100%
Transparent
Full visibility into your rate, fees, and payment schedule — no surprises.
EN/ES
Bilingual
Full English and Spanish support from day one.
Security
Every loan is secured by real collateral and a formal legal process.
Registered mortgage
The loan is backed by a mortgage recorded in the National Registry.
Independent appraisal
An outside appraiser values your property. No inflated numbers.
Signed before a notary
Everything is formalized before a public notary with a promissory note.
You keep your title
You remain the owner and reclaim the collateral once you repay.
FAQ
What every owner asks.
What properties qualify?+
Residential, commercial, or land with a registered title in Costa Rica, for up to 50% of its appraised value.
Do I need to prove income?+
No. The loan is based primarily on your property's value, not income statements or payslips.
Do you check my credit history?+
Yes — we review it as part of responsible underwriting, but the loan is anchored on your property as collateral, so imperfect credit doesn't automatically disqualify you. Our goal is loans that get repaid, not taking your property.
How fast is funding?+
Typically 7 to 14 days from application to disbursement.
What are the rates and fees?+
Rates of 12–16% annually based on loan-to-value, 4.5% origination, plus appraisal and notary costs. No upfront fees.
What terms do you offer?+
Short-term loans of 12 to 60 months, interest-only, with the principal due at maturity.
Can I talk to someone before applying?+
Yes — most people prefer to do that first. Book a 30-minute call with our founder Mauricio. You'll get a straight answer on whether your scenario fits, what the rate and timeline would look like, and what to gather. No commitment.
Your property already has value. Put it to work.
Free, no-obligation quote. No upfront fees. Answer in 24 hours.