Quito
Financial capital
Residential buildings in La Carolina, González Suárez and Cumbayá. Average appreciation of 4.6% per year over the last five years.
Real estate crowdlending — Ecuador 2026
Invest in Ecuadorian bricks and mortar from USD 100
Ecamundo connects investors with vetted real estate developers in Quito, Guayaquil and Cuenca. Mortgage-backed loans, 12 to 36-month terms, and estimated annual returns of 9% to 14% in US dollars.
USD 18.4M
Funded since 2021
11.7%
Average annual return
0
Defaults recorded
9,300+
Investors in Ecuador
Financial education
What is real estate crowdlending?
Real estate crowdlending is a collaborative financing model where many individuals lend small amounts of money to a real estate developer who needs capital to build, finish or acquire a property. In exchange for the loan, the developer repays the principal along with an agreed interest rate over a defined term.
Unlike equity crowdfunding, in crowdlending you do not buy a share of the property: you lend money and earn interest. The operation is backed by real collateral such as a first-rank mortgage on the property, a trust or personal guarantees from the developer. At Ecamundo we only accept projects with an independent appraisal and a maximum loan-to-value (LTV) of 70%.
For Ecuadorian investors, crowdlending is a real alternative to fixed-term deposits and direct property ownership: low ticket (from USD 100), short terms (12 to 36 months), USD-denominated returns and diversification across several projects. All of it backed by the regulation issued by Ecuador's Monetary Policy and Regulation Board for collaborative financing platforms.
Why Ecuadorians choose Ecamundo
A transparent alternative to fixed-term deposits and direct property ownership.
Low ticket, real impact
Start from USD 100 and diversify across multiple projects without paying for an entire property.
Returns in US dollars
Nominal interest between 9% and 14% per year, paid in USD. No local-currency devaluation risk.
Mortgage-backed
Every loan is secured by a first-rank mortgage registered with the Property Registry.
Defined terms
Operations from 12 to 36 months, with a clear payment schedule from day one.
Strict underwriting
Our risk committee approves less than 8% of the projects we receive.
Regulated platform
We operate under Ecuador's collaborative financing regulation and report quarterly to the SCVS.
Process
How Ecamundo works
Four steps to start investing in Ecuadorian real estate projects.
- 01
Sign up and verify your identity
Complete KYC online. We validate your national ID or passport and your source of funds in line with Ecuadorian anti-money-laundering rules.
- 02
Browse projects
Review every operation: appraisal, collateral plan, return, term and full developer dossier. No fine print.
- 03
Invest from USD 100
Transfer from your Ecuadorian bank account. We sign the participatory loan agreement digitally with full legal validity.
- 04
Receive interest and principal
Payments are credited automatically to your Ecamundo account. Withdraw to your bank or reinvest in new operations.
Market
Where we invest
Ecuador has a housing deficit of more than 1.2 million units. We work with established developers in the three cities with the highest residential demand.
Guayaquil
Economic engine
Projects in Samborondón and Vía a la Costa. Sustained demand driven by port growth and free-trade zones.
Cuenca
Heritage and retirement
Housing for digital nomads and foreign retirees. Cuenca welcomes more than 12,000 international retirees.
How we protect your money
Segregated escrow accounts
Your money never enters Ecamundo's balance sheet. It is held in escrow accounts at Banco Pichincha until the loan is disbursed.
Independent appraisal
Every collateral property is appraised by experts accredited by Ecuador's Superintendency of Banks.
Maximum 70% Loan-to-Value
The loan never exceeds 70% of the property's appraised value. The remaining 30% is contributed by the developer.
Quarterly reporting
We publish audited quarterly reports with the status of every loan and the platform's key indicators.
Monthly newsletter
Get the next opportunities before anyone else
Every month we send an analysis of the Ecuadorian real estate market, upcoming crowdlending operations and educational guides. Zero spam, unsubscribe anytime.
Frequently asked questions
The most common questions from our Ecuadorian investors.
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