Property-backed loans in Santa Ana, Costa Rica
We lend against property across the whole Santa Ana canton: the centre, Pozos and Lindora, Piedades, Brasil, Salitral, Uruca and Río Oro. Up to 50% of the appraised value, a USD 50,000.00 minimum, 14.0% per year in US dollars.
What we finance here
| Property type | Maximum of appraised value |
|---|---|
| Houses and apartments, including gated communities | Up to 50% |
| Offices, retail units and warehouses | Up to 40% |
| Undeveloped lots and farms | Up to 25% |
Why the percentage matters here
Santa Ana holds two markets within a few kilometres. Towards Pozos and Lindora you find condominiums, houses in gated communities and commercial units — the properties that sell fastest, which is why they carry the highest percentage. Towards Piedades, Salitral and the higher ground there is more land, farm and country house, where the maximum drops to 25%.
Two properties with the same appraisal, in the same canton, can therefore support very different loans. What decides it is not the address but how liquid the asset is.
What we typically see in this area
- An owner in a gated community who needs liquidity for a business and does not want to sell.
- A self-employed professional whose income is real but does not fit a bank’s format.
- A buyer who has found the next property but has not yet sold the current one.
- A foreign owner with registered property in Costa Rica and no local credit history.
- Consolidating more expensive debt against an asset already owned.
How we start
We need no documents for a preliminary answer. With the property’s Google or Waze location, your estimate of its value and the amount you are looking for, we check the registry and tell you whether the deal works. No cost, no obligation.
The loan is formalized through a guarantee trust; if your case calls for a mortgage, we can refer you to a partner who handles those.