Cumbayá, Quito
Cumbayá Vista Tower
Bridge loan for the completion of 38 apartments overlooking the valley. Mortgage collateral on the land and 12 units.
Real estate crowdlending · Ecuador 2026Lend to brick-and-mortar
Lend to brick-and-mortar
projects you can verify.
Collect interest every month.
Invertirec connects Ecuadorian investors with vetted real estate developers. Mortgage-backed loans, 6 to 36 month terms, starting at USD 250.
Platform registered with the Superintendency of Companies of Ecuador.
Quito · Ecuador24.8 M
USD funded
142
Closed projects
6,320
Active investors
10.4 %
Average annual yield
What real estate crowdlending is
Your money lends. The project builds. You collect interest.
Real estate crowdlending is a collective way of funding new construction, refurbishments and land purchases. Instead of buying an entire property, a group of investors lends capital to a developer for a defined term and receives a fixed monthly or maturity interest payment in return.
At Invertirec every operation is backed by a real guarantee —typically a first-rank mortgage on the property— and a notarised contract in Ecuador. You decide how much to allocate to each project starting from USD 250, and diversify across cities, terms and risk profiles.
01
Mortgage collateral
Every loan is covered by a real guarantee registered before an Ecuadorian public notary.
02
Fixed interest
Target annual rates between 8 % and 13 %, agreed before you invest and paid in US dollars.
03
Short tenors
Operations from 6 to 36 months with a transparent payment calendar published in advance.
04
Diversification
Spread your capital across several projects to reduce the risk of concentrating on a single asset.
How it works
Four steps to put your capital to work in real estate
01 · Open your account
Sign up with your ID or passport, verify your identity and sign the master investment agreement in less than ten minutes.
02 · Pick a project
Review the technical sheet, the independent appraisal, the construction plan and our internal risk rating for each operation.
03 · Fund the loan
Transfer from your Ecuadorian bank account. Your money stays in an escrow account until the round successfully closes.
04 · Collect every month
Interest is credited automatically and principal is returned at maturity, with a full audit trail in your private dashboard.
Open opportunities
Curated projects in Ecuador's main cities
A representative sample of operations available to our registered investors. Past performance does not guarantee future returns.
Daule, Guayas
Vía Daule Warehouses
Financing for four logistics warehouses leased to international trade operators. Monthly interest payment.
El Vado, Cuenca
Cuenca Heritage Houses
Restoration of two heritage houses for boutique-hotel use in the historic centre, a UNESCO World Heritage Site.
Salinas, Santa Elena
Salinas Sur Building
Refinancing of an oceanfront residential building with 22 vacation apartments already delivered and rented.
Why Invertirec
Built for investors who actually want to understand what they sign
Legal review per deal
An external team of Ecuadorian lawyers reviews ownership history, encumbrances and collateral quality before a round goes live.
Proprietary risk model
We assign an internal A-to-E rating combining the developer's financials, location, construction progress and loan-to-value.
No hidden fees
As an investor you do not pay entry or maintenance fees. Our fee is paid by the developer and published on every operation sheet.
Annual tax report
You receive a yearly certificate with gross returns and withholdings to help you file with Ecuador's Internal Revenue Service (SRI).
Human support
Team based in Quito and Guayaquil, reachable by phone, email and WhatsApp during business hours.
Segregated accounts
Investor funds are held in escrow accounts separate from Invertirec's own equity at locally regulated banks.
The Ecuadorian market
Why lending to construction makes sense in Ecuador right now
Ecuador is a dollarised economy with a structural formal-housing deficit of more than 1.3 million units. Local developers need flexible capital to accelerate construction and closings, and traditional banks take months to approve bridge facilities. Invertirec fills that gap with fast, collateralised and supervised loans.
01
Official dollarisation since the year 2000
No internal FX risk: every loan and payment is settled in US dollars.
02
Robust notarial framework
Mortgages are registered in the Property Registry and enforced through Ecuador's Judicial Branch.
03
Growing urban demand
Quito, Guayaquil, Cuenca and Manta concentrate the bulk of the housing deficit and middle-class growth.
Investor voices
People who already lend with us
“I've completed four projects with Invertirec, all paid on time. What I value the most is seeing the mortgage filed before I commit my money.”
“I diversified part of my liquidity into short-term loans. The yield beats my certificates of deposit and I know where every dollar goes.”
“I like that the team actually picks up the phone. When I had questions about a contract, an Invertirec lawyer walked me through it clause by clause.”
Frequently asked questions
What people ask us most before investing
The minimum ticket at Invertirec is USD 250 per operation. There is no maximum, although for tickets above USD 50,000 we sign a professional-investor addendum.
Every loan has a registered mortgage or pledge. If the developer defaults, Invertirec triggers a recovery protocol with an external law firm and, when needed, enforces the collateral before an Ecuadorian judge.
Loans are fixed-term. However, we run an internal secondary market where other investors can buy your position if you need early liquidity.
Natural persons over 18 years old with an Ecuadorian ID or passport, and legal entities with an active RUC in Ecuador. We also onboard investors residing abroad, subject to verification.
Interest is a financial return subject to Ecuadorian tax rules. Where applicable, Invertirec acts as a withholding agent and issues an annual statement of returns.
No. Invertirec is a crowdlending platform. We do not take deposits and do not guarantee returns. We connect investors with developers and manage the full life cycle of each loan.
Talk to an advisor
Tell us how much you'd like to invest
Leave us your details and an Invertirec advisor will get back to you within one business day. No commitment, no credit card.
Your next real estate project starts with one email
Join more than 6,000 Ecuadorians who already diversify their wealth by lending capital to the formal real estate sector.