Real estate crowdlending · Ecuador · 2026
What real estate crowdlending is, and why it is growing in Ecuador.
Real estate crowdlending is a collective way of financing property projects: several lenders pool capital to grant a loan to a developer, who uses it to build, complete or refinance a real asset and pays interest under agreed terms. At Ecadrosa we apply clear underwriting, mortgage collateral and projects located in Quito, Guayaquil, Cuenca and other Ecuadorian markets.
- Loans backed by mortgage collateral
- Verified projects across Ecuador
- Transparent information before you commit
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How it works
Four clear steps, no fine print.
Ecadrosa is not about buying and selling properties. It is a collective lending model backed by real estate located in Ecuador and structured under the local regulatory framework in force in 2026.
01
Project selection
We assess the developer, the location, the independent property appraisal and the expected cash flows. We only accept projects with a reasonable loan-to-value ratio, typically below 70%.
02
Publication with full disclosure
Each project is published with the developer profile, appraisal, timeline, target rate, term, collateral and risks. Information is kept up to date throughout the life of the loan.
03
Collective loan
Once the project is fully funded, capital is disbursed to the developer under a loan agreement with mortgage collateral or trust structure, depending on the project.
04
Payments and capital return
The developer pays periodic interest according to the loan schedule and returns the principal at maturity. Payments are distributed proportionally among lenders.
Benefits and risk
Real advantages and honest warnings.
Real diversification
You can participate in several projects with moderate amounts instead of concentrating your capital in a single property.
Property collateral
Every loan is backed by real estate located in Ecuador and appraised by independent experts registered with the Superintendencia de Bancos.
Ongoing transparency
You receive periodic reports, project updates and notifications of relevant events throughout the life of the loan.
Scheduled income
The model generates interest on known dates, useful for those looking to complement their income with a structured payment flow.
Verified projects
Examples of operations we have structured in Ecuador.
These are representative projects published through December 2025. Data is informational and does not constitute a public offering of securities.
Quito · La Carolina
Residential building
- USD 480,000
- LTV 62%
- 10.8% APR
- 18 months
Repaid on time
Guayaquil · Puerto Santa Ana
Commercial offices
- USD 720,000
- LTV 58%
- 11.4% APR
- 24 months
Interest payments in progress
Cuenca · Historic Centre
Heritage rehabilitation
- USD 310,000
- LTV 55%
- 10.2% APR
- 12 months
Repaid on time
Manta · Barbasquillo
Vacation housing
- USD 265,000
- LTV 60%
- 10.5% APR
- 15 months
Under construction
- USD 12.4M
- funded across pilot operations
- 37
- projects structured in Ecuador
- 9
- cities covered
- 61%
- average portfolio LTV
Why Ecadrosa
A platform designed for the Ecuadorian market.
Local headquarters
We are an Ecuadorian company with offices in Quito, focused on projects within the national market.
Regulatory compliance
We comply with the Organic Law for the Prevention, Detection and Eradication of Money Laundering, and with UAFE guidelines.
Independent appraisals
Every property is appraised by experts authorised by the Superintendencia de Bancos del Ecuador.
Fund custody
Project funds move through fiduciary accounts and are not part of Ecadrosa's balance sheet.
Frequently asked questions
What people usually ask us.
- What exactly is real estate crowdlending?
- It is a model where multiple people or entities lend money to a real estate developer to build or refinance a project, in exchange for an interest rate and with the property acting as collateral. You do not buy the property or a share of it: you lend money under a contract with defined conditions.
- Does Ecadrosa take deposits from the public?
- No. Ecadrosa is not a bank or a credit union. We do not take deposits and we do not guarantee returns. We operate as a platform that structures and publishes information about real estate lending projects.
- In which cities do you operate?
- Mainly Quito, Guayaquil, Cuenca, Manta and Loja. Occasionally we structure projects in other markets when they meet our valuation and collateral criteria.
- What is the minimum ticket?
- The reference minimum ticket is USD 500 per project, although it may vary by operation. Newsletter subscription is free and non-binding.
- What happens if a developer fails to pay?
- If the developer defaults, the property collateral is activated and the recovery process begins under Ecuadorian law. This may involve selling the property to recover capital, with the timelines and costs of the local judicial system.
- How do you protect my data?
- We apply the Ecuadorian Organic Law on Personal Data Protection (LOPDP), in force since 2021. Details are available in our Privacy Policy.
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