Ecuador · Supervised by SUPERCIAS
Lend money to vetted developers in Quito, Guayaquil and Cuenca. Each loan is secured with a first-rank mortgage and cleared by our internal risk committee.
Figures as of December 2026
The topic
Real estate crowdlending is a collective financing model in which hundreds of people lend small amounts of money to property developers or owners. In exchange, the lender (you) receives periodic interest payments and the full return of principal at maturity, backed by the property itself as collateral.
A loan, not a share
You are not buying a fraction of the property: you are lending money. The borrower repays principal plus interest according to a repayment schedule notarised in Ecuador.
Real mortgage collateral
Every deal is secured with a first-rank mortgage registered at the local Property Registry of the jurisdiction of the asset.
Tickets from USD 100
Diversify across several projects with small amounts. Previously, only banks and high-net-worth families could access these deals; now, any Ecuadorian resident with a valid cédula or RUC can.
Short and measurable terms
Most loans run between 6 and 24 months, with monthly payments or bullet repayment. You know exactly when you will be paid.
| Criteria | Ecadoris Crowdlending | Direct purchase | Real-estate funds |
|---|---|---|---|
| Minimum ticket | USD 100 | USD 40,000+ | USD 1,000+ |
| Typical term | 6 to 24 months | 10 to 30 years | Open-ended |
| Collateral | 1st-rank mortgage | Direct ownership | Fund units |
| Target return | 9% - 14% per year | 4% - 7% rental yield | 5% - 8% per year |
| Management | Delegated to Ecadoris | Owner-managed | Fund manager |
Process
Four clear steps, reviewed by our risk committee and secured through a public notary.
Sign up and verify your identity
Complete the online registration with your Ecuadorian cédula or passport and source-of-funds documents (UAFE). Onboarding takes under 10 minutes.
Choose a project
Review the project sheet: current appraisal, LTV, works plan, photos of the asset, term and rate. Every project is published with a public risk opinion.
Lend from USD 100
Sign the loan agreement electronically. Your funds are held in an escrow account at Banco Pichincha until the project reaches 100% of the requested amount.
Collect interest and principal
Payments are credited monthly or at maturity to your Ecuadorian bank account. You can reinvest with one click or withdraw at no cost.
Real examples
Illustrative data based on deals closed between 2024 and 2026. Past performance is no guarantee of future returns.
Financing of the final shell-and-core phase for 14 apartments delivered in March 2026. Repaid on time.
Bridge loan to acquire land with a fully approved construction permit from the Municipality of Guayaquil.
Construction of 6 single-family homes with 70% pre-sold. Fundraising open until January 2026.
Why Ecadoris
Hard currency
Ecuador has operated in US dollars since the year 2000. You do not face currency devaluation within the country.
Notary and public registry
Every mortgage is registered at the corresponding Property Registry. Contracts are signed before a licensed notary.
In-house risk committee
Four experts with more than 60 combined years of experience in real-estate banking assess each deal.
Bank escrow account
Funds are held in a Banco Pichincha escrow account until they are disbursed to the developer, with quarterly audits.
Mandatory warning
Investing through real estate crowdlending involves risk of partial or total loss of capital. Main risks include: developer default, collateral value falling below outstanding debt, delays in mortgage enforcement, illiquidity (you cannot withdraw before maturity) and country risk. Past performance does not guarantee future returns. We recommend diversifying across multiple projects and never committing more than 10% of your available net worth.
Common doubts
Get deal flow
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