Real estate · Ecuador · 2026

Real estate crowdlending within reach of every Ecuadorian saver

Lend from USD 250 to curated real estate projects in Quito, Guayaquil and Cuenca. Earn regular interest with a real guarantee on the property.

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Projects reviewed in 2025: 128
USD funded to date: $14.6M
Registered lenders: 7 240

Aerial view of Quito, capital of Ecuador

Concept

What is real estate crowdlending?

Real estate crowdlending is a form of collective financing in which many people lend small amounts of money to a real estate developer to build, buy or refurbish a property. In exchange, each lender receives periodic interest and the return of the principal at loan maturity.

One loan, many lenders

Instead of a bank lending 100% of the capital, the operation is split among hundreds of lenders participating with affordable amounts.

Real guarantee on the property

Each loan is backed by a real guarantee on the property (mortgage or trust), which protects the lenders' capital against default.

Predictable return

The interest rate and maturity are agreed at the start of the loan, so the expected return is known before committing capital.

How it works

Four clear steps to start lending

Team reviewing documents of a real estate project

01
Register and verify your identity
Complete your profile, upload your ID card or passport and link your Ecuadorian bank account. The process complies with anti-money laundering regulations.
02
Explore analysed projects
Every project is reviewed by a risk committee that assesses the developer, location, independent valuation and real guarantees on the property.
03
Lend from USD 250
Choose the project and the amount you want to lend. Sign the loan agreement electronically and transfer your contribution.
04
Collect periodic interest
Receive monthly or quarterly interest and recover your capital at maturity. Follow the status of your loan from your private dashboard.

Benefits

Why lend with Ecadrial

Minimum ticket of USD 250

Designed for the Ecuadorian saver. Diversify your capital across several projects without needing large amounts.

Real guarantees

All loans are secured by a mortgage or commercial trust registered in the Property Registry.

Target rates of 9% to 13% per year

Estimated gross annual returns in US dollars, depending on the risk level of the project and its term.

Terms from 6 to 24 months

Short and medium-term loans designed for construction, refurbishment and acquisition projects.

Full transparency

We publish the investment memorandum, the independent valuation and the construction progress of each project.

100% US dollar operation

The entire operation is carried out in US dollars, Ecuador's official currency since the year 2000.

Trust

A proven model, adapted to Ecuador

Real estate crowdlending already channels more than USD 2.5 billion per year in Europe and Latin America. Ecadrial adapts this model to the Ecuadorian legal framework, with loan agreements, commercial trusts and annual audits of project accounts.

Project accounts kept separate from Ecadrial's own assets
Commercial trust for the custody of guarantees
Annual audit by an independent firm registered with the Superintendency of Companies
Quarterly progress reports for every loan

Frequently asked questions

Common questions about real estate crowdlending

What is the minimum amount to lend on Ecadrial?+

The minimum amount is USD 250 per project. This threshold is designed to make diversification across several loans easier.

What is the difference between crowdlending and real estate crowdfunding?+

In crowdlending you lend money and receive interest; you do not own the property. In equity crowdfunding you buy a share of the project. Ecadrial operates under the crowdlending model.

What happens if the developer does not pay on time?+

The recovery protocol is triggered: friendly negotiation, enforcement of the real guarantee and, if applicable, judicial or extrajudicial sale of the property to recover principal and interest.

Is the interest income taxable in Ecuador?+

Yes. Interest received is considered financial income and must be declared on your income tax return. Ecadrial issues the corresponding annual certificate.

Can I withdraw my capital before maturity?+

Capital is returned at loan maturity. We are evaluating a secondary market for 2026 that will allow you to transfer your position to another lender.

Is Ecadrial regulated?+

Ecadrial operates under the Ecuadorian crowdfunding and crowdlending regulations issued by the Financial Policy and Regulation Board, and is registered with the Superintendency of Companies, Securities and Insurance.