Quito
Cumbayá residential building
Bridge loan to complete construction of an 18-unit residential building in the Cumbayá valley.
Real Estate Crowdlending in Ecuador
Invest in Ecuadorian real estate from $100
Ecanovo connects local investors with real estate developers in Quito, Guayaquil and Cuenca through mortgage-backed collective loans.
A new way to invest in Ecuador
$100
Minimum investment per project
9–14%
Estimated annual return
6–24
Average term in months
100%
Projects with mortgage guarantee
Collective loans backed by real estate
What is real estate crowdlending?
Real estate crowdlending is a collaborative funding model in which many people lend small amounts of money to a developer or owner of a real estate project. In return, the developer pays back the principal plus interest over an agreed term, while the property is pledged as a mortgage in favor of the lenders.
Unlike traditional crowdfunding, in crowdlending you do not buy shares of the project: you lend money and receive periodic payments. This makes real estate crowdlending an intermediate alternative between fixed-income bank products and the direct purchase of a property in Ecuador.
Ecanovo operates under the 2026 Ecuadorian regulatory framework for collective funding platforms, with notarized contracts, mortgages registered with the Property Registry and an annual external audit.
Four simple steps to start lending
How Ecanovo works
1. Sign up and verify your identity
Create your account with your Ecuadorian ID card or RUC. Identity verification complies with the anti-money laundering regulation in force in Ecuador in 2026.
2. Explore reviewed projects
Each project goes through a risk committee: appraisal, legal study of the property and financial evaluation of the developer.
3. Lend from $100
Choose the project, set your amount and electronically sign the mortgage-backed loan agreement.
4. Receive your payments in dollars
Receive principal and interest according to the project schedule in your Ecuadorian bank account, in US dollars.
Why Ecuadorians choose Ecanovo
01
Access from $100
Take part in real estate projects that used to be reserved for large investors, with amounts that any saver can afford.
02
Mortgage guarantee
Each loan is backed by a first-rank mortgage registered with the Property Registry of the corresponding canton.
03
Real diversification
Spread your savings across several projects in Quito, Guayaquil, Cuenca and Manta to reduce concentration risk.
04
Full transparency
Documentation, appraisals, deeds and monthly reports available in your investor dashboard.
05
Local team
Analysts, lawyers and appraisers in Ecuador with more than fifteen years of experience in the real estate sector.
06
Regulatory compliance
Ecanovo complies with the Organic Law of Entrepreneurship and Innovation and the collective funding regulation in force in 2026.
Types of operations funded on the platform
Representative projects
Guayaquil
Vía Daule logistics hub
Funding for the last construction stage of industrial warehouses with signed lease agreements.
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Frequently asked questions
Do I need to be Ecuadorian to invest?
Individuals of legal age with an Ecuadorian ID card, or residents with a passport and RUC, can invest. Legal entities require an active RUC and current legal representative appointment.
What is the estimated return?
Projects published in 2026 have offered between 9% and 14% per year in US dollars, depending on the term and the risk level of the loan.
What happens if the developer does not pay?
Ecanovo enforces the mortgage guarantee in favor of the lenders through the corresponding judicial collection process and distributes the recovered amounts on a pro-rata basis.
Does Ecanovo charge fees to the investor?
Investors do not pay any fee for lending. Ecanovo charges an origination fee to the developer and an annual administrative fee on the outstanding loan balance.
Start building your real estate future
Join the community of investors funding the development of Ecuador from $100.