Collective real estate investing · 2026

Real estate crowdlending, finally within reach for every Ecuadorian.

Fund residential and commercial projects in Quito, Guayaquil, Cuenca and the coast from USD 50. Transparent yields, fixed terms, secured by real estate.

Invest from USD 50 Learn how it works

9.8%: Average projected annual yield (2026)
USD 50: Minimum ticket per project
18 months: Average loan term

Ecuador · 2026

Aerial view of Quito, Ecuador's capital

Concept

What is real estate crowdlending?

Real estate crowdlending is a collective form of investment in which many investors lend money to a real estate developer in order to finance the construction, refurbishment or acquisition of a property. In exchange, the developer repays the capital plus interest within a previously agreed timeframe.

Unlike buying a property on your own, crowdlending lets you participate with small tickets (USD 50 at Ecadrio) and diversify across several projects in different Ecuadorian cities. The property itself is pledged as collateral in favour of the investors.

Crowdlending vs. real estate crowdfunding

With crowdfunding you buy an equity slice of a property; your return depends on appreciation and rental cash flow. With crowdlending you lend money at a fixed rate; your return is the agreed interest and the property is the collateral. In Ecuador, both schemes are regulated by the Organic Law on Entrepreneurship and Innovation and supervised by the Superintendence of Companies, Securities and Insurance (SCVS).

Why it makes sense in Ecuador (2026)

01Dollarised economy: operations are denominated in USD, no internal FX risk.
02Growing real estate demand in the Quito Metropolitan District and the Port of Guayaquil.
03Small tickets and diversification across several projects in a single place.
04Mortgage or trust collateral on every property financed.

Process

How to invest, step by step

Four auditable steps to start earning brick-and-mortar yields.

01
Open your account
Sign up with your national ID or passport, complete your investor profile and validate your identity according to UAFE anti-money-laundering rules.
02
Pick a project
Review the technical sheet, the independent appraisal, the target interest rate and the payment schedule before committing your capital.
03
Invest from USD 50
Pledge whatever amount you wish to the loan. Once the round closes, funds move to a trust administered by an authorised fiduciary entity.
04
Receive your interest
Collect monthly or quarterly payments according to the schedule. At maturity, you get your principal back plus the agreed interest.

Why Ecadrio

Why Ecuadorians choose Ecadrio

From USD 50

Diversify across multiple projects without committing all your savings to a single property.

Backed by real estate

Every loan is secured by a mortgage or commercial trust over the property being financed.

Fixed, known rate

From day one you know how much you will earn, the term and the exact payment calendar.

Auditable transparency

Each project publishes an independent appraisal, title deed, municipal permits and progress reports.

100% online

Operate from Ecuador or abroad from any device, no in-person paperwork.

Local team

Real estate analysts in Quito, Guayaquil and Cuenca underwrite every project before the round opens.

Live projects in 2026

A glimpse of the opportunities on offer

Indicative figures. Full project details are available only to registered investors.

Residential building in the La Mariscal area, Quito

Quito · Multi-family residential

Foch Tower — La Mariscal

Minimum ticket: USD 50
Target annual yield: 10.4%
Term: 24 months

Guayaquil · Industrial logistics

Vía a Daule Warehouses

Minimum ticket: USD 100
Target annual yield: 9.6%
Term: 18 months

Cuenca · Heritage refurbishment

El Sagrario Colonial House

Minimum ticket: USD 50
Target annual yield: 11.2%
Term: 30 months

Coastal property in Santa Elena province

Santa Elena · Coastal vacation housing

Olón Condominium

Minimum ticket: USD 100
Target annual yield: 10.8%
Term: 20 months

Past or projected performance is not a guarantee of future returns. Any investment in crowdlending carries the risk of partial or total loss of capital.

Frequently asked

The questions we get most often

Who can invest in Ecadrio?+

Individuals and companies, residents in Ecuador or abroad, over the age of 18, who pass our KYC and anti-money-laundering checks under UAFE regulations.

Is crowdlending regulated in Ecuador?+

Yes. Crowd financing is covered by the Organic Law on Entrepreneurship and Innovation and supervised by the Superintendence of Companies, Securities and Insurance (SCVS). Ecadrio S.A.S. operates under that framework.

What happens if the developer defaults?+

Every loan is secured by a mortgage or commercial trust over the property. If the developer fails to pay, the collateral is enforced and the proceeds are distributed to investors pro-rata to their contribution.

What is the minimum investment?+

Ecadrio's minimum ticket is USD 50 per project. You can take part in several projects at the same time to diversify your exposure.

How do I get paid?+

Instalments are credited to your Ecadrio wallet according to the project schedule (monthly or quarterly). From there you can reinvest or withdraw to your Ecuadorian bank account.

Are there hidden fees?+

No. Ecadrio charges a transparent management fee on the gross yield, disclosed on every project sheet. We do not charge to open an account or to withdraw funds.