Real estate crowdlending · Ecuador · 2026
Invest in Ecuadorian bricks from USD 50.
Ecaterran connects investors with real estate projects in Quito, Guayaquil, Cuenca and Manta. Lend to vetted developers, earn fixed yields, and back every dollar with a first-lien mortgage.
What is real estate crowdlending?
You lend money. You earn interest. Bricks secure the debt.
Real estate crowdlending is a collective funding model in which many individuals lend capital to a property developer to build, finish or acquire a real estate asset. In exchange, the developer pays periodic interest and returns the principal at maturity, typically 12 to 36 months later.
Unlike equity crowdfunding, in crowdlending you do not buy a slice of the property: you sign a loan agreement with a mortgage guarantee. If the developer defaults, the mortgage registered at the Property Registry backs your investment.
In Ecuador, this model lets a professional in Loja or a family in Ambato take part in the same projects that used to be reserved for banks and large funds. Ecaterran vets every developer, has each property appraised by ICRE-certified surveyors, and publishes the full dossier before opening the funding round.
How it works
Four steps. Zero bank paperwork.
Register and verify your identity
Sign up with your Ecuadorian ID card or passport. We comply with the Anti-Money Laundering Law and the UAFE resolutions.
Choose a vetted project
Review the appraisal, construction progress, term, fixed rate and mortgage guarantee for every published opportunity.
Lend from USD 50
Electronically sign the loan agreement using advanced e-signatures recognised by the Central Bank of Ecuador.
Collect interest every month
Receive monthly or quarterly payments directly to your Ecuadorian bank account. The principal is returned at maturity.
Why Ecaterran
Designed by and for the Ecuadorian market.
Real mortgage guarantee
Every loan is backed by a first-lien mortgage registered at the corresponding Property Registry.
Fixed yields in US dollars
By operating directly in US dollars, your returns are not exposed to the volatility of other currencies.
Independent ICRE appraisers
Every property is appraised by surveyors from the Institute of the City and the Quito Property Registry before publication.
Diversify from USD 50
Spread your capital across several Sierra and Coast projects to reduce your portfolio's total risk.
Quarterly transparency
We publish construction progress, dated photographs and audited financials by firms registered with the Superintendency of Companies.
Scheduled withdrawals
Collect your interest each month in your account at Banco Pichincha, Banco Guayaquil, Produbanco or any tier-1 cooperative.
Trust
Regulated, audited and staffed by Ecuadorian talent.
Ecaterran S.A.S. is registered with the Superintendency of Companies, Securities and Insurance under RUC 1793214785001 and operates under Resolution No. SCVS-INMV-DNAR-2026-0087, which authorises collective lending platforms. Our financial statements are audited annually by Deloitte Ecuador and published in our transparency section.
Straight talk
Risks you must know before lending.
Investing in real estate crowdlending is not guaranteed by the COSEDE deposit insurance nor by any state fund. The main risks are: construction delays, decrease in the value of the collateral, developer default and lack of liquidity (you cannot sell your loan before maturity, except through the secondary market when available). Always diversify across projects and never lend money you may need in the short term.
2026 waiting list
Get every new round before anyone else.
Subscribe and we will notify you when a new real estate opportunity opens in Ecuador. No spam, one email per project.
Frequently asked questions
Everything you need to know.
What is the minimum amount to lend?+
The minimum is USD 50 per project. We do not charge entry or maintenance fees.
What happens if the developer fails to pay?+
We enforce the mortgage guarantee through the Ecuadorian civil courts. Proceeds from the auction are distributed to lenders in proportion to their participation.
Do I have to report yields to the SRI?+
Yes. Interest earned is taxable income under the Income Tax Law. Ecaterran withholds 2% at source and issues electronic receipts under the Ecuadorian sales-receipts regulation.
Can I withdraw my capital before maturity?+
Loans are not liquid. However, during 2026 we are building a secondary market inside the platform so you can transfer your contract to another registered investor.
Do you accept foreign investors?+
Yes, we accept natural persons resident in Ecuador and foreigners with a valid passport, provided they pass our KYC and source-of-funds process.
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