Real estate crowdlending: invest in bricks from accessible amounts
Ecaduro brings together hundreds of Ecuadorian investors to fund real estate projects backed by mortgage collateral. Receive new opportunities, educational guides, and market reports for Quito, Guayaquil, and Cuenca directly in your inbox.
What is real estate crowdlending?
Real estate crowdlending is a form of collective financing in which multiple individuals lend money to a developer or property owner in exchange for an agreed interest rate and a defined term. The loan is backed by a real guarantee on the property: a first or second-rank mortgage in favour of the investors.
Unlike equity crowdfunding, where you buy a share of the project, in crowdlending you are a creditor. You receive periodic instalments or a lump sum at maturity regardless of how the property appreciates. This turns real estate crowdlending into a fixed-income alternative backed by tangible assets.
At Ecaduro, every transaction is structured under Ecuadorian law: loan contracts with open mortgages registered at the Property Registry, trust structures where applicable, and monthly audited reporting. Your money is not commingled with the company's balance sheet: it flows through a commercial trust regulated by the Superintendence of Companies, Securities, and Insurance (SCVS).
Four steps to start investing in real estate
No notary visits on your side. The entire transaction is signed electronically and recorded under Ecuador's Electronic Commerce Act.
Subscribe and verify your identity
Complete the form, validate your ID or passport, and electronically sign the investor framework agreement. The whole onboarding takes less than 10 minutes.
Browse the available projects
Each opportunity includes an independent appraisal, the property's title deed, credit analysis of the borrower, rate, term, and payment plan. If you like it, you choose how much to allocate.
Lend from USD 100
Transfer your contribution to the trust account. Once the project reaches its goal, funds are disbursed to the developer and the mortgage is registered in favour of the trust on behalf of the investors.
Earn monthly returns
The developer pays principal and interest as scheduled. Ecaduro distributes the payments to your Ecuadorian bank account and issues the corresponding tax withholding certificate before the SRI.
Real benefits of real estate crowdlending
Access from USD 100
You used to need tens of thousands of dollars to buy an apartment. Now you take part in real estate transactions with a minimum ticket affordable to any Ecuadorian saver.
Mortgage-backed security
Every loan is secured by an open mortgage on a duly appraised property, typically at 60% or 70% of its realisation value.
Predictable fixed income
You know the rate, term, and repayment schedule in advance. Ideal for diversifying away from term deposits, mutual funds, or the stock market.
Geographic diversification
Spread your capital across residential projects in Quito, commercial ones in Guayaquil, and tourism plays on the coast or Galápagos, without becoming a direct owner.
Reporting and traceability
Web platform showing the status of each operation, payment receipts, withholding certificates, and monthly dashboards audited by independent third parties.
Ecuadorian legal framework
We operate under the Securities Market Act, the Organic Monetary and Financial Code, and SCVS guidelines. Every contract is governed by the laws of the Republic of Ecuador.
The Ecuadorian real estate market in numbers
2026 reference data, sources: BCE, INEC, MIDUVI, and sector reports.
Annual size of Ecuador's construction sector
Typical annual rates for real estate crowdlending
Standard loan terms structured on the platform
Maximum Loan-to-Value per operation on Ecaduro
Why real estate crowdlending makes sense in Ecuador
Ecuador is a dollarised economy with a housing deficit of over 1.3 million homes according to MIDUVI. Demand for non-bank financing keeps growing while mortgage credit remains concentrated in a few institutions. Crowdlending democratises that access and returns yield to the retail investor.
- Dollarised economy: your returns are paid in US dollars.
- Clear legal framework: mortgages recorded at the Property Registry and regulated trust structures.
- Solid urban markets: Quito and Guayaquil account for over 55% of housing demand.
- Attractive yields compared with bank term deposits and traditional investment certificates.
What Ecuadorian investors usually ask
What is the difference between crowdlending and real estate crowdfunding?
In real estate crowdfunding you buy shares of a project and become a co-owner, taking on appreciation or depreciation. In crowdlending you are a lender: you receive a fixed rate and recover your capital at maturity, backed by a mortgage.
How much do I need to start?
Ecaduro's minimum ticket is USD 100 per operation. You can diversify across several projects with small amounts and build a real estate portfolio gradually.
What happens if the developer defaults?
We initiate the mortgage enforcement procedure under Ecuador's General Procedural Code. The property is auctioned and investors recover their capital with the priority granted by the mortgage. That is why a conservative appraisal and a maximum 65% Loan-to-Value are decisive.
Does Ecaduro hold custody of my money?
No. Contributions flow directly to a commercial trust managed by a fund manager regulated by the SCVS. Ecaduro acts as originator, structurer, and servicer, without touching your capital.
Will I pay taxes on the returns?
Yes. Interest is taxable income in Ecuador. We apply the relevant withholding at source and provide you with the certificates needed for your annual filing before the SRI.
Can I invest if I live outside Ecuador?
Yes, we accept Ecuadorians living abroad and foreigners with a valid ID, subject to compliance with Ecuador's anti-money laundering rules.
Ready to join the next opportunity?
Leave us your name and email. We will notify you in advance when the next real estate financing round opens.