Real estate crowdlending in Ecuador

Invest in bricks, earn in dollars.

Ecnobis connects Ecuadorian investors with real estate projects in Quito, Guayaquil and Cuenca through collective loans secured by mortgage.

Get information How it works

$4.2M: Funded in projects
9.8%: Average annual return
1,740+: Registered investors

Education

What is real estate crowdlending?

It is a form of collective investment in which several people lend small amounts of money to a real estate developer to finance the construction, renovation or purchase of a property. In return, the developer repays the capital with a fixed interest rate, secured by a mortgage over the same property.

Loan with real collateral

Every operation is backed by a first-lien mortgage registered at the relevant Property Registry office.

Ticket starting at $100

You can participate with small amounts and diversify across residential, commercial and social housing projects.

Fixed interest and defined term

From day one you know the interest rate, the payment date and the amortization schedule of the project.

Without owning the property

Unlike a traditional purchase, you do not become the owner: you lend money and receive interest in US dollars.

Crowdlending vs. traditional real estate investment

	Traditional model	Ecnobis
Entry ticket	From $50,000 (down payment)	From $100
Property management	Owner is responsible	Developer is responsible
Liquidity	Low, months to sell	Defined term from 6 to 36 months
Return	Appreciation + rent	Fixed interest in USD
Collateral	Public deed	First-lien mortgage

Process

How Ecnobis works step by step

We analyze the project

Our risk committee evaluates the urban, financial and legal feasibility of every project in Ecuador before publishing it on the platform.

We publish the deal

We share all the property information, the interest rate, the term and the mortgage collateral so you can decide with clear data.

You place your investment

You register your account, verify your identity following Ecuadorian regulation and transfer your contribution to the chosen project from your bank.

You receive interest in dollars

The developer repays the capital and interest according to the agreed schedule. Payments are credited directly to your bank account.

Sample projects

Real estate projects we have funded

These are illustrative examples of deals closed by Ecnobis partner developers in Ecuador during 2025.

Quito, Pichincha

Residencial Cumbayá 42

Residential housing

Funded amount: $680,000
Annual rate: 10.2%
Term: 18 months

Guayaquil, Guayas

Torre Samborondón Central

Offices and retail

Funded amount: $1,150,000
Annual rate: 9.4%
Term: 24 months

Cuenca, Azuay

Casas El Batán

Social housing

Funded amount: $420,000
Annual rate: 11.0%
Term: 12 months

Why Ecnobis

Built for the Ecuadorian investor

Regulated and transparent

We operate under the Ecuadorian legal framework for private loans with mortgage collateral and disclose every effective rate.

Real diversification

Split your investment across several projects in different cities of Ecuador and reduce your exposure to a single asset.

Income in US dollars

All operations are agreed and settled in US dollars, the official currency of Ecuador.

Local support

Team based in Quito available via WhatsApp and email to guide you throughout the project cycle.

Warning

Investing always involves risk

Real estate crowdlending is not a deposit or a bank account. Returns are not guaranteed and you could lose part or all of the invested capital if the developer defaults. Before you contribute, review the full project profile and consider diversifying. Ecnobis acts as a technology platform that connects developers and investors and does not provide personalized financial advice.

Frequently asked questions

What people ask us most

Do I need to be an Ecuadorian citizen to invest?+

You can invest as an Ecuadorian resident or a foreigner holding a bank account with an Ecuadorian bank. We perform identity verification under Ecuador's UAFE anti-money laundering regulation.

What is the minimum ticket?+

The minimum ticket per project is $100. There is no maximum, but we recommend diversifying across several operations.

What happens if the developer defaults?+

Each operation has a first-lien mortgage on the property. If the developer defaults, the judicial foreclosure process is triggered to recover investor capital.

Are interests taxed in Ecuador?+

Yes. Interests received are considered taxable income for the Income Tax under the LORTI. We issue an annual certificate for your tax return.

Is Ecnobis a bank?+

No. Ecnobis is a technology platform connecting investors with real estate developers. We do not take deposits from the public and we do not grant credit directly.