Quito · Pichincha
Cumbayá Cresta Verde Building
Residential construction · 18 apartments
- Funded amount
- USD 1,250,000
- Fixed annual rate
- 11.2% annual
- Term
- 24 months
- Loan-to-Value
- 58% LTV
Real Estate Crowdlending in Ecuador
Property-backed loans. Built for Ecuador.
Ecaticos brings retail investors together to fund verified real estate projects in Quito, Guayaquil and Cuenca, with a mortgage as collateral and fixed returns from month one.
More than 4,200 Ecuadorians already receive our market analysis every month.
Numbers for 2026
Audited figures of active Ecaticos operations as of the third quarter of 2026.
USD 28.4M
Funded into real estate projects
6,380
Registered investors in Ecuador
11.7%
Average annualised return
62%
Average Loan-to-Value with mortgage collateral
What is real estate crowdlending?
Many investors. One loan. A property as collateral.
Real estate crowdlending is a collective financing model where many individuals lend small amounts of money to a developer or property owner to carry out a project: building, refurbishing or acquiring a property. In exchange, the developer returns the principal plus fixed interest over an agreed period.
Unlike equity-based crowdfunding, with crowdlending you do not buy a stake in the property: you grant a loan. The property is registered as a mortgage at the relevant Land Registry, which protects the investor in case of default.
In Ecuador, Ecaticos operates as an auxiliary technological platform of the popular and solidarity financial system, connecting savers with real estate developers previously vetted by our credit committee.
Real mortgage collateral
Every loan is recorded at the Land Registry as a lien on the financed property.
Tickets from USD 100
Any Ecuadorian adult with a valid national ID can take part from accessible amounts.
Short and medium terms
Operations from 6 to 36 months, with monthly interest payments or a bullet schedule at maturity.
Total transparency
We publish the appraisal, the legal review, the financial flow and the construction progress of every project.
How it works
Four steps to invest from home in Ecuador
1. Register and verify your identity
We validate your national ID and your Ecuadorian address under UAFE regulations. Onboarding is 100% online and takes less than ten minutes.
2. Pick the real estate project
Review the technical dossier, the certified appraisal and the risk rating assigned by our internal committee.
3. Fund your investment
Transfer from your Ecuadorian bank account with Banco Pichincha, Produbanco, Banco Guayaquil or another authorised institution.
4. Receive capital and interest
Payments are credited automatically to your Ecaticos wallet and you can withdraw them to your bank account whenever you want.
Representative projects
Recent operations in Ecuador
A sample of the mortgage-backed loans funded through Ecaticos in the last twelve months.
Guayaquil · Guayas
Samborondón Río Plaza House
Acquisition and refurbishment · single-family home
- Funded amount
- USD 480,000
- Fixed annual rate
- 10.5% annual
- Term
- 18 months
- Loan-to-Value
- 61% LTV
Cuenca · Azuay
San Blas Historic Centre Lofts
Heritage refurbishment · 6 touristic lofts
- Funded amount
- USD 320,000
- Fixed annual rate
- 12.3% annual
- Term
- 30 months
- Loan-to-Value
- 55% LTV
Risk management
What we do before publishing a project
- Financial analysis of the developer and review of their historical repayment capacity.
- Independent appraisal performed by an expert accredited by the Superintendence of Banks of Ecuador.
- Legal review of the property, certificate of liens and municipal cadastral check.
- Open or closed mortgage constituted in favour of the Ecaticos collateral trust.
Investing in real estate crowdlending entails the risk of total or partial loss of capital. The published return is not guaranteed and depends on the borrower's compliance. Please read all project information carefully before investing.
Ecaticos Newsletter
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Frequently asked questions
What people ask us most in Ecuador
Who regulates Ecaticos in Ecuador?
Ecaticos operates as an auxiliary technological platform under the framework of the Monetary and Financial Policy and Regulation Board of Ecuador, and reports periodically to the Financial and Economic Analysis Unit (UAFE) and the Internal Revenue Service (SRI).
Can I invest if I live outside the country?
Yes, Ecuadorians living abroad can invest by submitting a valid national ID and proof of address. Migrants holding an investor visa or permanent residency in Ecuador can also take part.
What is the minimum investment?
One hundred US dollars (USD 100), Ecuador's legal currency. There is no maximum investment per user, but concentration limits per project and per risk level apply.
What happens if the developer does not pay?
We start out-of-court collection and, if needed, we enforce the mortgage collateral through a judicial process in Ecuador. Funds recovered from the sale of the property are distributed pro rata among investors.
Is there tax withholding?
Interest generated is subject to Ecuador's income tax withholding. Ecaticos issues the electronic withholding receipt and reports your earnings to the SRI.