GUIDE - COSTA RICA IS NO LONGER A CASH-ONLY MARKET

For years, real estate in Costa Rica operated almost exclusively on a cash basis. Today, that landscape has evolved. Structured financing is now available for qualified international buyers, opening the door to more strategic acquisitions and capital allocation.

Through our trusted legal partners at “Quatro Legal” and their “We Care Financial Solutions” platform, we provide our clients with access to financing options specifically adapted to the Costa Rican market. Every structure is approached with precision, discretion, and a clear understanding of investment objectives.

WE CARE FINANCIAL SOLUTIONS

This platform was designed to bridge the gap between international expectations and local realities, offering tailored financing pathways for buyers and investors entering Costa Rica.

1. NORTH AMERICAN-STYLE MORTGAGES

For North American clients seeking familiarity and stability, this option mirrors the financing structures commonly used in both the United States and Canada.

• Fixed rates with predictable payments

• Loan terms of up to 30 years

• Faster approvals compared to local banking timeline

• Financing of up to 70% of the property value

2. PRIVATE LENDING - FAST BRIDGE SOLUTIONS

For acquisitions where timing is critical, private lending offers speed and flexibility, independent of nationality or conventional banking constraints.

• Approvals in as little as 2 business days

• Loan terms from 1 to 3 years

• Interest rates typically ranging between 10% and 12% annually

• Secured by real estate collateral

This solution is particularly effective for time-sensitive opportunities or as a bridge while securing long-term financing.

3. COSTA RICAN BANK LOAN BROKERAGE

Navigating local financial institutions in Costa Rica requires strategy, relationships, and experience. This service simplifies the process and positions clients for success.

• Step-by-step guidance throughout the application process

• Established relationships with leading Costa Rican banks

• Strategic structuring to strengthen approval probability

• Ideal for long-term financing solutions within the local system

4. EQUITY-BACKED LOANS

For clients with existing assets, this upcoming solution unlocks liquidity without requiring divestment.

• Leverage real estate or investment portfolios as collateral

• Flexible structures aligned with long-term investment strategies

• Access capital while preserving asset ownership

WHAT THIS MEANS FOR YOU

• Access opportunities beyond cash-only limitations

• Deploy capital strategically while maintaining liquidity

• Move forward with clarity, structure, and professional guidance

• Strengthen your position when negotiating and submitting offers

Our role is not simply to present options, but to guide you toward the structure that aligns with your objectives, timeline, and long-term vision in Costa Rica.

READY TO APPLY?

The process is straightforward and handled with complete discretion.

You may complete a short intake form, after which the Quatro Legal team will follow up with a complimentary consultation.

All information remains private and securely managed
There is no cost or obligation
You will receive tailored guidance based on your specific profile and goals

Complete the Quatro Legal Financial Solutions Intake Form to begin exploring your financing options.