Real Estate Crowdlending — Ecuador 2026
Invest in Ecuadorian bricks and mortar from $100.
Ecavistar is the real estate crowdlending platform that connects retail investors with hand-picked residential and commercial projects in Quito, Guayaquil and Cuenca.
01 — Definition
What is real estate crowdlending?
Real estate crowdlending is a form of collective financing in which many investors lend capital to a developer or property owner in exchange for periodic interest. The debt is secured by a real asset —a house, a building, an urban plot— registered as collateral in Ecuador's Property Registry.
In a nutshell:
- 01You lend money — you don't buy shares or equity stakes.
- 02The loan is backed by real estate appraised by independent surveyors.
- 03You receive monthly instalments or one-off payments depending on the term.
- 04The developer repays the principal at the agreed date and pays the agreed interest.
02 — The process
Four clear steps to get started
We designed the flow so that any Ecuadorian investor —with or without previous experience— can take part in less than ten minutes.
Sign up and verify your identity
Complete your profile with your national ID or passport. We apply KYC and biometric validation in line with Ecuadorian anti-money-laundering regulations.
Explore vetted projects
Every opportunity publishes its appraisal, business plan, term, target interest rate and risk level evaluated by our internal credit committee.
Invest from $100
Contribute the amount you choose. We digitally sign the loan agreement and the mortgage deed is registered in favour of the syndicate of investors.
Receive your returns
The developer credits principal and interest into your Ecavistar wallet. You can withdraw the funds to your Ecuadorian bank account or reinvest them in new projects.
03 — Advantages
Why crowdlending appeals to the Ecuadorian investor
- 01
Target annual yield between 9% and 14%
Projects financed during 2025 closed with an average internal rate of return of 11.3% per year, well above local bank fixed-term deposits.
- 02
Low minimum ticket
With $100 you can build a portfolio diversified across five or more projects, something that is impossible when buying a physical property.
- 03
Real mortgage collateral
All loans above $10,000 are backed by a first-lien mortgage, registered in the corresponding Property Registry.
- 04
No operational hassle
Forget about tenants, maintenance, service fees or property taxes. The developer runs the operation; you simply collect.
- 05
Predictable liquidity
Terms range from 6 to 36 months. From day one you know when each instalment lands and when the principal is repaid.
- 06
Quarterly transparency
We publish construction progress, developer financials and updated collateral valuation every three months.
04 — Ecuador 2026 context
A market with housing deficit and hunger for capital
According to Ecuador's Ministry of Urban Development and Housing, the country closed 2025 with a qualitative housing deficit above 1.3 million units. Traditional banks cover less than 40% of the financing that mid-sized developers require. Real estate crowdlending has grown more than 60% year on year across the Andean region and Ecuador stands out as one of the most dynamic markets for 2026.
1.3M+
Ecuador's qualitative housing deficit (2025)
11.3%
Average return of closed projects (2025)
$100
Minimum ticket to invest through Ecavistar
36 months
Maximum term published per project
05 — Risks
High yields, real risks
Every investment carries risk. Real estate crowdlending is no exception, so we spell it out clearly before you subscribe.
- 01
Developer default risk
The developer may fall behind or fail to repay. We enforce the mortgage collateral through the competent court, though the process may take several months.
- 02
Valuation risk
The value of the property may fluctuate with local market conditions. We work with surveyors accredited by the Ecuadorian Superintendence of Banks.
- 03
Liquidity risk
Your loan is not listed on any exchange. You recover the principal at the end of the term or by assigning your position to another investor through our internal secondary market.
Subscribe
Get the complete guide to real estate crowdlending in Ecuador
Send us your name and email. We will share a PDF with our analysis methodology, real examples of projects financed in 2025 and the opportunities open for the first quarter of 2026.
06 — Frequently asked questions
What every investor asks before getting started
01
Is Ecavistar regulated in Ecuador?
Ecavistar S.A. is incorporated under the laws of the Republic of Ecuador and registered with the Superintendence of Companies, Securities and Insurance. We comply with the obligations set out by the Organic Law for the Prevention, Detection and Eradication of Money Laundering.
02
Can I invest if I live outside Ecuador?
Yes. We accept non-resident investors holding a valid passport. You must complete the international KYC process and transfer the funds from a bank account in your name.
03
What happens if the developer does not pay?
We initiate the judicial mortgage foreclosure before the competent civil judge. The recovered funds, net of legal costs, are distributed among the investors of the syndicate.
04
How is it taxed?
The interest generated is subject to the income tax withholding provided for in Ecuadorian regulations. We issue an annual certificate for your tax return.
05
Can I withdraw my money before the term ends?
The loan has a fixed term. You can assign your position to another investor through Ecavistar's internal secondary market, subject to buyer availability.