From your deal to capital, in four steps
What happens at each step, what we need from you and which cases we fund.
No commitment. Preliminary answer within 24 business hours.
How it works
Tell us about your situation
Two minutes, online or on WhatsApp.
Get a preliminary answer
Within 24 business hours we tell you whether it fits.
Appraisal and title review
We appraise the property and review its title.
Signing and funding
Signing and funding within 7 to 15 business days of your request.
A preliminary answer is not an approval: approval depends on the appraisal and the title review.
What fits and what doesn’t
Fits
- Any type of property in Costa Rica.
- Loans of $50,000 to $1,000,000, up to 50% of appraised value.
- First-position mortgage as collateral.
- Individuals and companies, Costa Rican or foreign.
Doesn’t fit
- Properties outside Costa Rica.
- Loans under $50,000.
- Second-position collateral.
Need more than 50%? Send us the case and we will review it together. If your case doesn’t fit, we tell you in the first answer.
Evaluate my dealWhat we need
- For the initial evaluation, just the property’s registry number or cadastral plan.
- Your repayment plan: how and when the loan gets repaid.
- To close, we tell you which documents your case needs.
Bank or Link: when each one makes sense
| Bank | Link | |
|---|---|---|
| Time to a decision | Weeks or months | Preliminary answer within 24 business hours; funding in 7 to 15 business days |
| What the decision is based on | Your income, your history and lengthy paperwork | The property and your repayment plan, with a basic income and credit review |
| Flexibility | Standard products | Fits your repayment plan: sale, refinance or project cash flow |
| Term | Long term | 2 years |
| Cost | Cheaper | More expensive: 12% to 15% a year. Compare it with what waiting costs you. |
| Best for | Long-term financing at the lowest cost | Covering the wait until the sale, the bank or the project’s cash flow comes through |
Frequently asked questions
What is a bridge loan?
A short-term loan, secured by a property, that gives you liquidity until another source of money arrives: the sale of a property, a bank refinance or your project’s cash flow. At Link the term is 2 years.
How much can I get?
Up to 50% of the property’s appraised value, between $50,000 and $1,000,000 per loan. Illustrative example: with a property worth $400,000, the loan can be up to $200,000. If you need more, send us the case and we will review it together.
How fast do I get the money?
You get a preliminary answer within 24 business hours. Funding usually happens 7 to 15 business days after your request, once the appraisal and title review are done.
What properties do you accept as collateral?
Any type of property, anywhere in Costa Rica, as long as the loan is secured by a first-position mortgage.
Do you review my income or credit history?
Yes, we do a basic income and credit review. But most of the decision rests on the property, how large the loan is compared with its value, and your repayment plan.
What does it cost? Is it more expensive than a bank?
Yes, a bridge loan costs more than a bank loan. The rate is 12% to 15% a year, and the borrower pays the origination fee and the appraisal, legal and registration costs. In exchange, the money arrives in days, not months.
What are the terms and how is it repaid?
The term is 2 years. During that time you pay interest only, and the principal is repaid in a single payment at the end, usually from the sale of the property, a refinance or the project’s cash flow.
What if my property does not sell in time?
We talk with you and the investors to reach a new agreement, such as an extension or a refinance. That is why we review a realistic repayment plan with you from the start.
Do you lend to companies and to foreigners?
Yes. We lend to individuals and companies, Costa Rican or foreign, even if they don’t live in Costa Rica. The property that secures the loan must be in Costa Rica.
Is a preliminary evaluation an approval?
No. The preliminary answer tells you whether your request fits based on what you told us. Approval depends on the appraisal, the title review and signing the documents.
Tell us what you need to solve.
No commitment. Preliminary answer within 24 business hours.