Quito — La Carolina
Cumbres del Parque Building
Bridge loan for works completion
- Amount: USD 480,000
- Rate: 10.2 % per year
- Term: 18 months
- Loan-to-Value: 58 %
Real estate crowdlending in Ecuador
Invest in Ecuadorian property from USD 50
Ecaluna is the platform that connects your capital to loans secured by verified properties in Quito, Guayaquil and Cuenca. No banking intermediaries, with notarized contracts and monthly reports.
USD 12.4 M
Funded since 2026
9.8 %
Average annual yield
0
Recorded defaults
4,200
Active investors
What is real estate crowdlending
Collective loans backed by real estate
Real estate crowdlending is a collective financing model in which hundreds of people lend money to a developer or owner to execute a real estate project, in exchange for a fixed interest agreed by contract.
Unlike buying shares or equity stakes, you do not become the owner of the property: you act as a creditor. The project returns your capital plus interest on a defined schedule, and the property remains as mortgage collateral in favor of the lenders.
At Ecaluna we structure each transaction under Ecuadorian law, with public deed, open mortgage registered in the Property Registry and continuous works supervision by an independent inspector.
How it works
Four steps to invest in property
1. Register and verify your identity
Complete the online KYC process with your Ecuadorian ID card or passport. It takes less than five minutes and complies with UAFE anti-money laundering rules.
2. Choose a verified project
Review the technical study, certified appraisal, interest rate, term and mortgage guarantee. Each project goes through our risk committee before being published.
3. Contribute from USD 50
Transfer your investment via Ecuadorian banking or Banco del Pacífico. Your money is held in an escrow account until the project closes its funding round.
4. Collect capital and interest
Receive monthly payments or at maturity directly in your bank account. Download the annual tax certificate for your SRI declaration.
Representative projects
Active real estate opportunities in 2026
A sample of transactions we have structured in the three main cities of Ecuador.
Guayaquil — Samborondón
Río Daule Residential Complex
Syndicated mortgage loan
- Amount: USD 720,000
- Rate: 9.4 % per year
- Term: 24 months
- Loan-to-Value: 62 %
Cuenca — El Vergel
Yanuncay Heritage Houses
Refurbishment financing
- Amount: USD 310,000
- Rate: 9.8 % per year
- Term: 12 months
- Loan-to-Value: 55 %
The projects shown are representative. Real opportunities are published only to registered and verified investors.
Why Ecaluna
A platform designed for the Ecuadorian investor
Real mortgage collateral
Each loan is secured by a first-rank mortgage registered in the corresponding Property Registry.
Independent risk committee
Civil engineers, architects and lawyers review every project before approving it for collective financing.
Segregated escrow accounts
Your money never enters Ecaluna's balance sheet. It is held in fiduciary accounts at Banco del Pacífico until disbursement.
Monthly reports with photographs
You receive month-by-month construction progress, with geo-referenced photographic records and inspector certification.
Accessible diversification
Split your capital across multiple projects, cities and terms from just USD 50 per transaction.
Human support in Quito
Phone and in-person service in Spanish, Monday to Friday, at our offices on Av. República del Salvador.
Real estate crowdlending is not a guaranteed banking product. As a creditor, you assume the risk that the developer defaults, that the works are delayed or that the property loses market value.
Ecaluna mitigates these risks with mortgage guarantees, independent appraisals, technical supervision and a voluntary coverage fund, but no mechanism completely eliminates the possibility of losing the invested capital.
We recommend investing only surplus funds that you do not need in the short term, diversifying across at least ten projects and reading each loan contract before transferring your contribution.
Transparency about risks
What you should know before investing
Frequently asked questions
Common doubts of new investors
Who can invest in Ecaluna?
Any individual over 18 years old with a valid Ecuadorian ID card or passport, and companies incorporated in Ecuador. We also accept residents abroad with an international bank account.
What is the minimum and maximum amount per project?
The minimum is USD 50 per transaction. The maximum for an individual is USD 75,000 per project, in compliance with the regulations of the Superintendency of Companies, Securities and Insurance of Ecuador.
How do I declare interest before the SRI?
Ecaluna issues an annual certificate detailing the interest paid and the withholdings applied, ready to attach to your Income Tax return.
What happens if a developer defaults?
We trigger the enforcement of the mortgage guarantee with a specialized law firm. The proceeds of the auction are distributed proportionally among the lenders of the project.
Is Ecaluna regulated?
We operate under the Organic Law of Entrepreneurship and Innovation and the Regulation of Collective Financing Platforms of Ecuador, supervised by the Superintendency of Companies, Securities and Insurance.
Opportunity list
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