Cumbayá Norte Residential
Cumbayá, Quito
Construction of 18 apartments
- Target rate
- 12.5% annual
- Term
- 24 months
- Collateral
- First-rank mortgage on the land
Real estate crowdlending · Ecuador
Invest in Ecuadorian property from USD 100.
Ecafintch connects local and diaspora investors with audited property developers in Quito, Guayaquil and Cuenca. Mortgage-backed peer loans, 12 to 36 month terms and a target net yield of 9% to 14% annually, in US dollars.
USD 8.4 M
Capital intermediated in 2025
47
Projects funded
11.2% annual
Average net yield
3,920
Registered investors
Operating under the Ecuadorian legal framework
Superintendency of Companies, Securities and Insurance (SCVS)
Organic Law of Entrepreneurship and Innovation
Internal Revenue Service — active RUC
Funds custody in regulated Ecuadorian banking
The concept
What is real estate crowdlending?
It is a collaborative way to finance property projects. Dozens of people lend money, in small tickets, to a developer who needs capital to build, refurbish or acquire a building. In exchange, the developer repays the principal plus interest over an agreed term, typically backed by a mortgage on the underlying asset.
You don't buy the property, you lend the money
Unlike equity crowdfunding, in crowdlending you do not receive ownership shares. You receive a loan contract with fixed interest and a repayment schedule. Whether the project sells above or below expectations, your return is pre-agreed.
Real collateral on the asset
Every Ecafintch operation is backed by a first- or second-rank mortgage on the project property, a mercantile guarantee trust, or an assignment of cash flows. If the developer defaults, the collateral is enforced to recover investor capital.
Low ticket, high diversification
The minimum ticket on Ecafintch is USD 100 per project. That allows you to spread USD 1,000 across ten different operations — different cities, terms and developers — instead of concentrating your savings into a single property.
Defined terms, returns in dollars
Projects are structured between 12 and 36 months, with monthly interest payments or a bullet payment at maturity. The entire operation runs in US dollars, the official currency of Ecuador since the year 2000.
Process
How it works at Ecafintch
From the moment you discover a project until you receive the last payment, four transparent and auditable steps.
1. Selection and due diligence
Our credit committee evaluates each developer: track record, financial statements, independent land appraisal, municipal permits and sales projection. Only 1 in 9 projects presented makes it onto the platform.
2. Project listing
Each opportunity is published with a full data sheet: target amount, term, rate, collateral, location, construction schedule and exit plan. You decide which ones you join and with how much.
3. Contribution and signing
You invest from USD 100 via local bank transfer in Ecuador. Once the target amount is reached, the mortgage-backed loan contract is signed before a public notary. You receive a digital copy with electronic signature.
4. Payments and monthly report
You receive interest payments according to the agreed schedule, directly into your Ecuadorian bank account. Each month we publish a construction progress report with photographs and the financial status of the project.
Active opportunities in 2026
Representative portfolio projects
A sample of the kind of operations we finance. Live opportunities are shared by email with registered investors only.
Why Ecafintch
Designed for the Ecuadorian investor
USD 100 minimum ticket
Built for young professionals, savers and the Ecuadorian diaspora who want exposure to the property market without needing USD 50,000 to get in.
Verified Ecuadorian developers
We only work with construction companies with at least five years of operation in the country, active RUC and a clean record at the credit bureau.
Collateral on the asset
Mortgage formalised before a public notary and registered at the Property Registry of the relevant canton.
Transparent reporting
Permanent access to project status, construction progress and payment schedule from your private dashboard.
Zero fees for the investor
We only charge the developer. For you, signing up and investing has no cost.
Operated from Quito
Local team with deep knowledge of the Ecuadorian market: regulation, capital gains by canton, municipal rules and the construction cycle.
Frequently asked questions
What investors ask the most
What happens if the developer doesn't pay?+
If the developer enters default, Ecafintch starts the out-of-court collection process and, if needed, the judicial enforcement of the mortgage. Recovered funds are distributed pro rata among the investors of the project. As of December 2025 our historical record shows a 90+ day delinquency rate of 1.8% and a net loss of 0.3% on intermediated capital.
Do I need to be a resident of Ecuador to invest?+
Investors must be individuals aged 18 or older with a valid Ecuadorian ID or passport. Ecuadorians living abroad may participate provided they hold an active bank account in the Ecuadorian financial system to receive payments.
Is this activity regulated in Ecuador?+
Yes. Crowdfunding and crowdlending are formally recognised in the Organic Law of Entrepreneurship and Innovation (Official Gazette Supplement 151, 28-Feb-2020) and its regulation. The activity is supervised by the Superintendency of Companies, Securities and Insurance (SCVS).
What is the minimum and maximum amount?+
The minimum is USD 100 per project. The legal maximum for an individual investor is the lesser of 20% of declared annual income or USD 50,000 per twelve-month period.
How do I receive interest payments?+
Interest is credited to your Ecuadorian bank account according to the project schedule: monthly, quarterly or single payment at maturity. Each payment is reported automatically in your dashboard with the corresponding income tax withholding receipt.
What are the main risks?+
Credit risk (developer default), construction risk (delays or cost overruns), property market risk (price drops in the canton) and liquidity risk (no active secondary market — you must wait until maturity). Crowdlending is not a bank deposit and is not covered by COSEDE.
Opportunity list
Get projects before they fill up
Ecafintch projects fill on average in 11 days. Subscribe and receive the data sheet of every opportunity directly in your inbox, with no obligation.
Real estate crowdlending, made in Ecuador