They go to private lending companies who do have the money and are easy to work with. These private lending companies have been operating for decades in Costa Rica and they are very, very profitable. Costa Rica is very unique, since it has a very healthy economy, extremely stable government, no military, very high wages, one of the highest standards of living in Central and South America but very little money in the banks to work with. Private lending companies are not government regulated institutions. They loan money to large Central American corporations and businesses.
Most businesses here own their buildings and land free of debt.
Because of this, the private lending companies are able to very profitably pay their private clients very good rates of return on their deposits with them. These companies are much safer than any government bank. And best of all, they are completely private and not government regulated. Typically, at the end of their harvest season, they run out of money. So they borrow, to pay their employees and expenses until the coffee beans are sold once per year.