Invest in Ecuadorian real estate through property-backed crowdlending
Fund carefully selected real estate projects alongside other investors and earn fixed returns backed by real properties in Quito, Guayaquil and Cuenca.
What is real estate crowdlending?
Real estate crowdlending is a collective financing model where multiple investors jointly lend money to developers and property owners. In exchange, each investor receives periodic interest payments and the full return of capital at the end of the loan term.
Unlike buying shares or equity units, in crowdlending you act as a lender. The loan is secured by the property itself through a mortgage or collateral, which reduces the risk and provides greater return predictability.
In Ecuador, this model opens the door for anyone to participate in the real estate market with accessible amounts, diversifying their portfolio without the hassle of physically managing a property.
How it works in four steps
A transparent flow designed so your investment starts working from day one.
Register and verify your identity
Create your account in minutes and complete verification in compliance with Ecuadorian anti-money laundering regulations.
Explore curated projects
Review each opportunity with its full dossier: property, appraisal, term, return rate and collateral associated with the loan.
Invest from USD 100
Diversify your portfolio by participating in multiple loans with accessible amounts and set the exposure level you prefer.
Receive your returns
Interest payments are credited monthly to your account. At the end of the term, you receive your invested capital back.
Designed for the Ecuadorian investor
We combine financial discipline with technology to bring the real estate market closer to new generations.
Secured with real collateral
Every loan is backed by a property as collateral, executed under Ecuador's Civil Code.
Predictable returns
Fixed interest rates known before you invest, with no surprises or market swings.
Diversify from USD 100
Spread your capital across several projects and cities to lower portfolio risk.
Full transparency
Complete access to legal documentation, independent appraisals and project progress.
Ecuador at the center
Projects located in Quito, Guayaquil, Cuenca and other cities with sustained growth.
Fully digital
The entire process happens online with electronic signatures recognized under Ecuadorian law.
Ecuadorian real estate in your portfolio
Carefully selected residential and commercial projects in the country's main urban centers.
Quito
Modern apartments in the northern area and Cumbayá valley.
Guayaquil
Offices and retail spaces in Samborondón and the financial center.
Cuenca
Restoration and rental of properties in the historic center.
Be among the first to invest with Ecalunar
Subscribe to receive early access to project launches, Ecuadorian real estate market analysis and free crowdlending guides.
Everything you need to know
What is the minimum investment on Ecalunar?+
The minimum investment is USD 100 per project, allowing you to diversify across multiple real estate loans at the same time.
What returns can I expect?+
Fixed interest rates range between 9% and 14% annually, depending on the project, term and associated collateral.
How is my investment protected?+
Each loan is backed by a mortgage or other real collateral on the property. Ecalunar performs independent appraisals and risk analysis before publishing any project.
Is Ecalunar regulated in Ecuador?+
Ecalunar operates under Ecuadorian jurisdiction and complies with the Entrepreneurship and Innovation Act, the Personal Data Protection Act and the applicable regulations for collective financing platforms.
How long do the loans last?+
Terms range between 6 and 36 months depending on the project. Each opportunity clearly states the payment schedule before you invest.
Do I have to pay taxes on returns?+
Yes. The returns generated are subject to Income Tax under Ecuadorian law. Ecalunar provides the reports needed for your annual tax filing.
Prepare your portfolio for the next real estate cycle
Add your email to the waitlist and get early access to Ecalunar's first investment opportunities.