EEcadros

Real Estate Crowdlending Ecuador

Fund Ecuadorian real estate from USD 100.

Ecadros connects investors with vetted real estate developers in Quito, Guayaquil and Cuenca. Earn fixed US dollar yields backed by first-rank mortgages registered under Ecuadorian law.

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4,200+ registered investors · USD 12.8M funded · 38 active projects

Modern apartment building in Quito, Ecuador

What is real estate crowdlending?

Collective lending secured by real estate

Real estate crowdlending allows multiple investors to lend small amounts of capital to a developer or property owner executing a project in Ecuador. In exchange, investors receive periodic interest payments in US dollars and the return of principal at maturity, secured by a mortgage registered with the local Property Registry.

Lending, not ownership

You do not buy the property: you lend capital to the developer and receive fixed interest. The repayment schedule is signed before a public notary in Ecuador.

Mortgage collateral

Every transaction is backed by a first-rank mortgage registered in accordance with the Ecuadorian Notarial Law and the Civil Code.

Low ticket, short term

Invest from USD 100 in projects with terms between 6 and 24 months and target yields between 9% and 14% per year in USD.

How it works

Four steps to invest in Ecuadorian real estate

Architectural blueprints used for due diligence
  1. 01

    Verify your identity

    Complete KYC with your Ecuadorian ID or passport. The process complies with the standards of the Financial and Economic Analysis Unit (UAFE).

  2. 02

    Choose a project

    Review each deal's dossier: appraisal, land valuation, developer business plan and mortgage coverage ratio.

  3. 03

    Fund the deal

    Transfer from your bank account through the Interbank Payment System (SPI) of the Central Bank of Ecuador.

  4. 04

    Collect your yields

    Receive monthly or quarterly interest payments and the return of principal at the end of the term, all in US dollars.

Why Ecuador

The most stable real estate market in the Andean region

Ecuador has been a dollarized economy since the year 2000, with an average inflation below 3% over the past five years. Real estate accounted for 7.2% of national GDP in 2025 according to the Central Bank of Ecuador.

USD-denominated economy
You invest and earn directly in USD, with no currency risk for investors based in Latin America, the United States or Europe.
Sustained demand
Ecuador's housing deficit exceeds 2.5 million homes, which sustains demand for affordable residential projects.
Solid legal framework
The Organic Law of Entrepreneurship and Innovation has explicitly regulated crowdfunding since 2020, under the supervision of the Superintendency of Companies, Securities and Insurance.
Cityscape of Quito, capital of Ecuador
Business handshake symbolizing the trust between investors and Ecadros

Trust

We operate under Ecuadorian regulation

Ecadros S.A.S. is an Ecuadorian company incorporated in Quito and registered with the Superintendency of Companies, Securities and Insurance of Ecuador. We comply with the tax obligations of the Internal Revenue Service (SRI) and with anti-money-laundering protocols set by UAFE.

  • Supervision: Superintendency of Companies, Securities and Insurance
  • Taxation: Internal Revenue Service (SRI)
  • Compliance: Financial Analysis Unit (UAFE)
  • Custody: Banco Pichincha Collection Account

Frequently asked questions

What you should know before investing

Who can invest with Ecadros?
Any adult holding a valid Ecuadorian ID or passport. We also accept legal entities incorporated in Ecuador or abroad, subject to KYC and AML verification.
What is the minimum investment amount?
The minimum investment is USD 100 per deal. There is no maximum, but we apply regulatory limits per non-accredited investor in line with Ecuadorian regulations.
How is my investment protected?
Every loan is secured by a first-rank mortgage on the project's property, registered with the local Property Registry. In case of default, Ecadros manages the foreclosure on behalf of investors.
What taxes apply to my yields?
Interest income is subject to income tax withholding at source under Ecuador's Internal Tax Regime Law. Ecadros issues an annual withholding certificate downloadable from your dashboard.
Can I withdraw my money before maturity?
Real estate crowdlending is a fixed-term investment. Ecadros will soon launch a secondary market where you will be able to offer your position to other registered investors on the platform.

Ready to start

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