Quito · La Carolina
Mirador del Parque Building
Multi-family residential
- Invest
- From USD 100
- %
- 11.8% annual
- ⌛
- 18 months
Bridge loan for 42 apartments next to La Carolina park, secured by a first-lien mortgage on the land.
Real estate crowdlending · Ecuador 2026
What is real estate crowdlending and why is it reshaping investing in Ecuador?
Real estate crowdlending pools investors that lend capital together to developers building homes in Quito, Guayaquil and Cuenca. In exchange, investors receive periodic interest backed by the project cash-flow and by first-lien mortgage guarantees on real properties.
- Invest from USD 100 per project
- Fixed terms between 6 and 36 months
- Target annual yield of 9% to 14%
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Figures as of November 2026
USD 18.4M
Capital lent to developers
12.7%
Average net annual yield
42
Projects funded since 2022
5,310
Investors in Ecuador and the diaspora
How it works
Four steps to invest in Ecuadorian digital bricks
- 01
Project selection
Ecadoro's legal and technical team reviews every project in Quito, Guayaquil or Cuenca: municipal permits, mortgage status, third party appraisal and construction progress. Only 8% of the applications received in 2026 have cleared the investment committee.
- 02
Loan structuring
We publish an offer with a fixed rate, term, payment schedule and guarantees. The developer signs a loan agreement with a first-lien mortgage in favor of the investors.
- 03
Collective funding
Investors commit from USD 100 through an Ecuadorian bank transfer or international wire. Funds sit in an escrow account audited by Pichincha Casa de Valores.
- 04
Payments and reporting
While the project runs you receive monthly or quarterly interest in your bank account, with site photos, construction updates and budget progress in your personal dashboard.
Representative projects
A diversified portfolio of Ecuadorian bricks
These are examples of the type of deals we finance. Registered investors receive new offers with a 48-hour head start.
Guayaquil · Samborondón
Vista Salado Complex
Middle-income housing
- Invest
- From USD 250
- %
- 10.5% annual
- ⌛
- 24 months
Construction financing for 86 homes with pre-sales above 65% and backed by a local guarantee fund.
Cuenca · Historic Center
Casa Sucre Rehabilitation
Heritage refurbishment
- Invest
- From USD 500
- %
- 13.2% annual
- ⌛
- 12 months
Recovery of an 1894 heritage townhouse into 14 lofts dedicated to regulated short-term rentals.
Why Ecadoro
A platform designed for the Ecuadorian investor
Tangible local asset
Every loan is backed by real estate located in Ecuador, with a mortgage registered at the local Property Registry.
Regulatory compliance
We operate under the Organic Law for Entrepreneurship and Innovation and Resolution JPRM-2023-013 issued by Ecuador's Monetary Policy Board on crowdfunding.
Accessible tickets
From USD 100 per project, with no entry fees for the first one thousand investors registered in 2026.
Full transparency
We publish the independent appraisal, the loan agreement, the construction insurance policy and a monthly photo update for every project.
Geographic diversification
We spread risk across the Andes, Coast and Austro regions, avoiding concentration in a single city or developer.
Human support in Quito
Our team supports you in Spanish and English from our offices in the La Carolina district, Monday through Friday.
Frequently asked questions
Answering the most common questions about real estate crowdlending
What is the difference between crowdlending and real estate crowdfunding?
In crowdlending you lend money to a developer and receive periodic interest until your capital is repaid. In equity crowdfunding you become a shareholder of the project and your return depends on the final profit. Ecadoro operates under a crowdlending model with a mortgage guarantee.
Is real estate crowdlending regulated in Ecuador?
Yes. Since 2020 collective financing has been recognised by the Organic Law for Entrepreneurship and Innovation and regulated by the Monetary Policy and Regulation Board. Ecadoro is registered with the Superintendencia de Compañías, Valores y Seguros.
What is the minimum investment ticket?
The minimum ticket is USD 100 per project. We recommend diversifying across at least five projects to reduce concentration risk.
What happens if the developer defaults?
As an investor you hold a first-lien mortgage on the property. If the developer defaults, the trustee starts the foreclosure process and distributes the proceeds among lenders pro-rata to their participation.
Can Ecuadorians living abroad invest?
Yes, residents in Spain, the United States, Italy and other countries can invest from their international account. We provide tax support to declare the interest both in Ecuador and in the country of residence.
How are interest payments taxed?
Interest is considered financial income and is subject to the prevailing income tax withholding. Every year we issue a withholding certificate for your personal tax return.
2026 waiting list
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