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Blog

Private lenders in Panama

Private lenders in Panama

Author

Kent Davis (PJ-0752-09)

Published on

July 8, 2013

Updated on

December 26, 2024

While most Panama banks are still lending to foreign buyers, many of the large local banks and all of the multinational banks like Scotia, BBVA, and HSBC have age limits, life insurance policy requirements, credit requirements, and income requirements.  Anyone that’s applied for a loan in Panama knows that it can be a long, arduous process that may or may not result in success.

The good news is, we’ve partnered up with a licensed private lender who will offer loans to our clients with:
1.    No income requirement
2.    No credit requirement
3.    No Life insurance
4.    No age requirement (or limitation)

This private lender will lend 50%-60% of the value of the property. The company is based in Panama and has been approved with all of the necessary lending licenses and the best news is that the process is much easier than working with a traditional bank, and this lender guarantees that it will close and fund your loan in 5 business days!!

Kent Davis (PJ-0752-09)

Kent Davis, founder of Panama Equity Real Estate, is a leading expert in Panama’s competitive real estate market. Originally from Honolulu, Hawaii, he holds a Marketing Information Systems degree from James Madison University. After a successful corporate career managing multimillion-dollar inventories at Hajoca Corporation, Kent pursued his dream of living abroad, moving to Panama in 2007.
Driven by an entrepreneurial spirit, he established Panama Equity to connect buyers, sellers, and investors with Panama’s top properties. Known for his transparency, expertise, and market insights, Kent has helped hundreds navigate Panama’s real estate landscape. Fluent in Spanish, he frequently publishes market reports to empower clients with informed decisions.
Beyond real estate, Kent is passionate about Panama’s culture, landscapes, and surf-friendly beaches. He lives in Panama with his wife and three sons, embracing the vibrant lifestyle the country offers.

Share

20 Comments

  1. Gerardo Glenn Glenn

    on May 6, 2019 at 12:09 am said  

    Looking to borrow roughly 30,000 the 40000 on my home outside of La chorerra. I have found one lender who will loans based on the homes Equity value alone oh, but he wants to charge 2% a month on 30,000 dollars. I’m wondering if your company can do any better than that. Let me know your thoughts, sincerely Gerardo Griff Glenn

    Reply
    • Kent Davis

      on May 20, 2019 at 1:57 pm said  

      Hi Gerardo, I would suggest reaching out to the bank in this case as our private lender is mostly focused on downtown Panama City, Panama loans

      Reply
  2. damien

    on January 27, 2020 at 1:51 pm said  

    Kent, I have a client that has a commercial property close to downtown Panama City that needs a loan. Can you refer me to your lender?

    Reply
    • Kent Davis

      on January 27, 2020 at 4:35 pm said  

      Hi Damien, sure. Just set you a private message, thanks for your inquiry!

      Reply
  3. Ryan Olson

    on February 13, 2020 at 12:11 am said  

    I am looking for lending options for approximately $175,000 towards a $225,000 purchase price for a commercial property near Playa Reina (Moriato). Are your lenders still solely focused on downtown Panama City?

    Reply
    • Kent Davis

      on March 31, 2020 at 3:42 pm said  

      Hi Ryan, thanks for your message. Yes, most of our lenders are focused on the City area. I’ve sent you a private message, thanks!

      Reply
      • M.A.Stewart

        on May 18, 2024 at 5:50 pm said  

        Hello I have my property in the city and Im interested in HELOC, how do I go about this in PTY???

        Reply
  4. Jason Edwards

    on October 9, 2020 at 1:37 pm said  

    I have 11 victory of land in Cativa, Colon, northern Panama to be exact I have been told by my attorney in Panama City, Panama that it is worth $800,000 appraised value and over 1 million market value. I would like to borrow against this land to help pay my attorney fee for an inheritance requiring a 30% bond in the courts, legal fees, etc to reclaim assets misappropriated in Panama. How do I go about getting a loan in this situation?

    Reply
    • Kent Davis

      on November 3, 2022 at 2:30 pm said  

      Hello Jason, you’ll want to approach a bank or private lender.

      Reply
  5. glenn

    on November 3, 2022 at 10:57 am said  

    what are the rates?

    Reply
    • Kent Davis

      on November 3, 2022 at 2:29 pm said  

      Hi Glenn, thanks for dropping by! Institutional mortgage rates in Panama are hovering around 5.5% – 6.5% right now for a 20 year variable mortgage with 10% – 20% down for locals and double that down payment for foreigners. There’s also something called a FECI which is basically an add on of 1% for investors. For private financing…it really depends on the asset being financed, the borrower profile, and the motivation of the lender. We’ve got property sellers and developers in Panama willing to beat bank rates at shorter terms, and we’ve got private lenders who will charge as much as 12-15% (exorbitant in my opinion) for certain situations.

      Happy to answer your question directly if you’d like to fill out a contact-us form.

      Reply
  6. Jennifer

    on September 13, 2023 at 11:41 pm said  

    This is interesting… I sent an email with detailed information & a request for guidance. I look forward to your reply. I want to buy in Casco Viejo before the end of 2023 so I can capitalise on the Casco Viejo Law. Thank you in advance.

    Reply
    • Valery

      on September 19, 2023 at 5:08 pm said  

      Hi Jennifer, thanks for your message.
      You are right, this is the best time to invest in Casco. I’ll be happy to connect with you, would you mind sending your contact info to valery@panamaequity.com

      Reply
  7. V. Kilie

    on February 19, 2024 at 8:20 pm said  

    Hi. I wil be gratefull if you contact me. Interested in a loan.
    Thanks.
    Vicky

    Reply
  8. John Doe

    on June 8, 2024 at 5:36 pm said  

    Good afternoon. I am an investor who will be investing in properties located in Boquete Panama. Do you know if your lender offers loans in that province or do you know of any lender that offers such financing?

    Reply
    • peter lewis

      on June 13, 2025 at 9:30 pm said  

      I am also looking for an investor in the same area. A short-term investment with high return.

      Reply
      • lisa

        on July 2, 2025 at 8:26 am said  

        Hi Peter,thanks for your message. We don’t work directly in the Boquete area, but we recommend reaching out to Maritza at Casa Solution (maritza@casasolution.com). She’s based locally and will be better positioned to assist you with real estate in that region.

        Reply
    • lisa

      on July 2, 2025 at 8:22 am said  

      Hi there, thanks for reaching out! While we don’t work directly with lenders, we do have a trusted real estate contact in Boquete who may be able to help. You can reach out to Maritza at maritza@casasolution.com — she’s based in the area and may have more information on financing options available locally.

      Reply
  9. Marcos Powell

    on June 24, 2025 at 9:44 pm said  

    Hi, Iam looking for a business loan in panama, can you help me I’ll greatly appreciate it if you can provide me with any information.

    Thanks

    Reply
    • lisa

      on July 2, 2025 at 8:28 am said  

      Hi Marcos, thanks for reaching out! We specialize in real estate, so we don’t handle business loans directly. However, you may want to check with local banks like Banistmo, BAC, or Towerbank, as they often offer small business financing options. Wishing you the best of luck with your venture!

      Reply

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