Real Estate Crowdlending · Ecuador
Invest in real estate projects from $100
Ecavalores connects Ecuadorian investors with verified real estate developers. We finance buildings, offices and homes in Quito, Guayaquil and Cuenca — with mortgage-backed contracts and historical returns between 9% and 14% per year.
- Funded since 2022
- $28M
- Average annual return
- 11.4%
- Active investors
- 1,900+
Real Estate Crowdlending · Ecuador
Contemporary residential building with white facade and glass balconies
Financial education
What is real estate crowdlending?
Real estate crowdlending is a collective financing model in which dozens of investors lend capital to a real estate developer in exchange for a fixed or variable interest rate, secured by the property itself.
Unlike traditional crowdfunding, you are not buying shares or a fraction of the property: you lend money for a defined term (usually between 6 and 36 months) and receive periodic payments of principal and interest, just like a bank would.
In Ecuador, this activity is regulated under the Monetary and Financial Organic Code and the rules of the Superintendency of Companies, Securities and Insurance. Ecavalores operates with notarised contracts, mortgage guarantees recorded in the Property Registry and independent annual audits.
Key points of the model
Loan agreement with real collateral
Every loan is backed by a first-lien mortgage on the property or a commercial trust.
Accessible minimum ticket
Invest from $100 and diversify across several projects at the same time.
Predictable returns
You receive interest based on the agreed schedule, without depending on the sale of the property to recover capital.
Ecuadorian regulation
We operate in compliance with Resolution JPRM-2024-014 and anti-money laundering standards.
Step-by-step process
How investing with Ecavalores works
A transparent, 100% digital flow, verified by our risk committee before any project is published.
- 01
Create your verified account
Sign up with your Ecuadorian ID or passport. We complete KYC validation and electronic signature in under 24 business hours.
- 02
Choose a real estate project
Every opportunity includes an independent appraisal, approved plans, construction schedule, mortgage guarantee and risk analysis from the Ecavalores committee.
- 03
Sign your loan agreement
Contribute from $100. You receive a notarised contract with a mortgage registered in favour of the investor pool.
- 04
Receive principal and interest
Monthly or bullet payments depending on the project. Your full history is always visible in your investor dashboard.
Why choose us
Benefits of investing in real estate crowdlending
Backed by a real asset
The property acts as collateral. If the developer defaults, the trust enforces the guarantee and returns the capital to investors.
Diversification from $100
Spread your capital across projects, locations and terms. Reduce specific risk without depending on a single property.
Returns above savings
Historical gross return between 9% and 14% per year, well above a traditional deposit at an Ecuadorian bank.
Scheduled liquidity
Clear payment calendars and an optional secondary market to transfer your position to other registered investors.
Full transparency
We publish construction progress, monthly photos, project financial statements and risk committee minutes.
Local impact
You finance Ecuadorian housing. Every project generates jobs, revitalises neighbourhoods and expands the country's housing supply.
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