Invest in Ecuadorian bricks and mortar from USD 250
Ecazonis connects retail investors with vetted real estate developers in Quito, Guayaquil and Cuenca. Fund residential and commercial projects collectively and earn monthly interest.
Lending money to real estate, together and by contract
Real estate crowdlending is a form of collective investment in which a group of people lends money to a developer to finance the construction, renovation or acquisition of a property. In exchange, the developer repays the capital plus interest over a fixed term, backed by real guarantees on the underlying asset.
Unlike equity crowdfunding, in crowdlending you don't buy a share of the building: you sign a collective loan agreement. Ecazonis acts as the intermediary platform, evaluates every deal, publishes it in its marketplace and coordinates monthly repayments to investors.
Four steps, one clear contract
01. We list the deal
A local developer submits the project. Our committee verifies the title deed, municipal permits, the developer's RUC and the cash flow projections before listing the opportunity.
02. You invest from USD 250
Choose the project and the amount. You sign the collective loan agreement digitally through Uanataca, with full legal validity in Ecuador.
03. The project is funded and construction starts
Once the deal reaches 100% funding, the money is released to the developer through a bank escrow with Produbanco and the works begin.
04. You receive monthly interest
Capital and interest instalments are transferred every month to your Ecuadorian bank account until the agreed maturity of the loan.
Advantages over traditional real estate investing
Accessible ticket
Start investing in Ecuadorian real estate from USD 250, without having to buy an entire apartment.
Real diversification
Split your capital across multiple projects, cities and developers to reduce concentration risk.
Guarantees on the asset
Every loan is secured with a first-rank mortgage or a commercial trust registered with the Ecuadorian Property Registry.
Predictable returns
Get fixed interest and a clear repayment schedule from day one, with no surprises or hidden fees.
Zero operational hassle
Forget about tenants, maintenance or municipal paperwork. We handle project monitoring on your behalf.
Full transparency
Investor dashboard with construction status, photographic updates and quarterly financial reports for every deal.
Investing carries risk and we want you to know it
Real estate crowdlending is not a guaranteed product. Your capital may be affected by construction delays, developer default or drops in the value of the property. Ecazonis performs risk analysis but does not guarantee the return of capital. Read every project fact sheet carefully before investing.
- Risk of delays in interest payments.
- Risk of partial or total loan default.
- Illiquidity risk: you cannot withdraw before maturity.
- Ecuadorian real estate market risk.
Everything you want to know before starting
Who can invest through Ecazonis?
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Individuals and legal entities over 18 years old, holding an Ecuadorian ID, RUC or passport, and a bank account in their own name at an entity supervised by the Superintendency of Banks of Ecuador.
What is the minimum investment?
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USD 250 per project. You can diversify across the different loans listed on the platform.
Is Ecazonis regulated?
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Ecazonis Financiera Colectiva S.A.S. is an Ecuadorian company registered with the Superintendency of Companies, Securities and Insurance and operates in line with the participatory financing framework applicable in Ecuador.
How is the return paid?
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Interest is credited monthly to your bank account in US dollars via SPI transfers to Ecuadorian banks.
What fees does Ecazonis charge?
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Investors pay no subscription fees. The developer pays a 1.5% origination fee and a 1% yearly management fee on the outstanding capital.
Get the guide to real estate crowdlending in Ecuador
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