$ Buy : 563.00 • Sell : 578.00
800-1020-300 800-1020-300
Lines of Credit
"We do not see your business, we see your potential"
What is a Line of Credit?

New financing program for small to medium-sized businesses, lines of credit from 25 million up to 90 million.

Sureties for customers that do not have collateral available.

Access to financing is essential for the development, consolidation and survival of SMEs in the national market. For this reason, Desyfin offers its services and products for entrepreneurs to support their businesses, like factoring or surety funds.

Thanks to the creation of different contracts with the Development Banking System (DBS), the entity possesses over ¢7,500 million for financing Costa Rican small to medium-sized enterprises.

“In 2015, we will continue to focus on offering the best products and services for SMEs. At Desyfin we want to promote new and better opportunities for small and medium-sized enterprise through personalized financial advice. Thanks to the trust of the DBS and our corporation’s capability, we are able to offer financing solutions with responsibility, quality, excellence and agility in transactions in order to satisfy our customer’s needs and increase their growth opportunities,” commented Silvio Lacayo, Desyfin’s General Manager.


  • Businesses that have more than 1 year operating in industrial and commercial activities and services
  • Formally consolidated presenting 2 of 3 requirements:
  • Registered in the CCSS (Costa Rican Social Security Fund) as employers, or registration promissory letter.
  • Presenting sales tax or income declaration
  • Presenting occupational risk insurance policy
How to finance your business when you do not have enough collateral?

One of the main causes of rejection of credit applications is the lack of collateral from the applicant. For this reason, for entrepreneurs that require a loan but lack collateral, special funds are developed to increase the possibility of having access to credit. We are talking about surety funds and guarantees. The main objective of this product is to provide greater possibilities for credit access to small and medium-sized entrepreneurs.

Lines of Credit
  • Working Capital

New short-term program available for small and medium-sized enterprises.

  • 18-month term maximum
  • Exclusive for legal persons
  • Up to 100,000,000+ per business
  • Approval in 10 days maximum
  • Factoring

Factoring is a financing tool that allows entrepreneurs to turn their accounts receivable into cash in order to better their cash flow.

“The customer legally transfers the receivable invoice (commercial or government) to Desyfin and we pay in advance, taking over the collection process for said invoice. It is a fiduciary credit where a company is the debtor but the invoice is the operation’s source of repayment.”

  • Purchase Orders

We offer instruments to finance purchase orders or contracts with the Central Government, Autonomous Institutions and AAA Commercial Enterprises.

  • Bid and Compliance Bonds

The efficient solution for your tenders in public or private entities

  • No need for 100% backing of the guarantee
  • Competitive commissions
  • Personalized service and attention
  • Agile and prompt response times

Requirements for Legal Persons:

  • Articles of incorporation (with shareholding)
  • Recent public utility bill (water, power or telephone).
  • Financial statements (two previous fiscal years and a recent fiscal year to date– not older than three months).
  • A copy of the company’s legal representative’s personal identification, legible and valid.

Requirements for Natural Persons:

  • A copy of your personal identification, legible and valid.
  • Recent public utility bill (water, power or telephone).
  • Employees: employer certification, and salary certificate.
  • Independent professionals: CPA income certification and six months of bank statements.