Multi-family residential
Torre Cumbayá 128
Cumbayá, Quito
32-unit residential tower with a commercial appraisal of USD 4.8 million. Funding round to complete the finishes phase.
11.5% p.a.
24 months
Real estate crowdlending · Ecuador
Invest in Ecuadorian real estate from just USD 100
Ecactivo connects investors with vetted developers in Quito, Guayaquil and Cuenca. Fund residential and commercial projects and receive monthly interest, with target returns between 9% and 14% per year, always in US dollars.
- Registered with the Ecuadorian Superintendency of Companies
- Contracts filed before a public notary
- Verifiable quarterly reports
Ecactivo by the numbers
A solid real estate market, now open to everyone
Ecuador combines a dollarized economy, mandatory notarial deeds and steady housing demand. We unlock that market for the retail investor.
USD 100
Minimum investment ticket
9% – 14%
Annual target yield in USD
12 – 36
Project term in months
3
Active cities: Quito, Guayaquil and Cuenca
Definition
What is real estate crowdlending?
Real estate crowdlending is a collaborative funding model in which a group of individuals jointly lends money to a developer or construction firm to build, buy or renovate a property. In exchange, investors receive periodic interest and the return of their principal at the end of the agreed term.
Unlike traditional crowdfunding, in crowdlending you do not buy shares nor become a co-owner of the property. You sign a loan agreement with clear conditions: amount, interest rate, maturity and real collateral, typically backed by a mortgage over the project itself.
At Ecactivo we apply this model to the Ecuadorian market, which operates in US dollars, requires mandatory notarial registration and offers mortgage guarantees filed with the Property Registry, giving each transaction strong legal certainty.
In short
You lend part of the money a developer needs, together with other people. He builds or renovates. You collect interest every month until the project is sold or refinanced.
Step by step
How Ecactivo works
A transparent, fully documented and auditable process in four stages.
1. Project selection
Our committee reviews more than 40 variables: location, appraisal, developer track record, municipal permits and projected sales flow. Only 6% to 8% of the projects we receive make it to the platform.
2. Publication and funding round
Each project is published with the full documentation: soil study, approved blueprints, appraisal, mortgage draft and risk analysis. Investors participate from USD 100 until the requested amount is fully covered.
3. Disbursement and execution
Funds are transferred to the project's commercial trust, not directly to the developer. The mortgage in favour of the investors is filed with the Property Registry before the first disbursement.
4. Payments and quarterly reports
You receive monthly interest to your bank account. Every quarter we publish a construction progress report with photographs, milestones and financial statements of the project.
Why Ecactivo
Advantages of investing with us
Dollarized, no FX risk
Ecuador has used the US dollar as its official currency since the year 2000. All contracts, payments and reports are settled in USD.
Real mortgage collateral
Every loan is backed by a first-rank mortgage over the property, filed with the corresponding Property Registry.
Independent commercial trust
Funds are not booked in the developer's accounting: they are managed by a commercial trust authorized by the Superintendency of Companies.
Accessible from USD 100
Diversify across several projects with small tickets. You do not need to buy an entire property to gain exposure to the sector.
Full tax compliance
We issue the withholding receipts required by the Internal Tax Regime Law and submit your annual information to the Internal Revenue Service (SRI).
Online investor dashboard
Check your accrued interest, next payment dates and legal documents from any device, 24 hours a day.
Sample projects
Types of deals we fund
We will publish our first live projects during the second quarter of 2026. These are the profiles that have already passed the preliminary review of our committee.
Commercial · retail
Plaza Kennedy Norte
Guayaquil
Acquisition and remodeling of a retail unit leased to a national pharmacy chain under an 8-year contract.
10.2% p.a.
18 months
Vacation homes
Casas de Playa Olón
Santa Elena
Development of six beach houses managed under a dollar-denominated short-term rental scheme, secured by a first-rank mortgage.
12.8% p.a.
30 months
Legal framework
We operate within the Ecuadorian legal framework
Ecactivo Financiera S.A.S. is registered with the Superintendency of Companies, Securities and Insurance of Ecuador under file number 719284, and operates in accordance with the Organic Monetary and Financial Code, the Commercial Code and the Fintech Law approved in 2023.
All transactions are documented through mortgage-backed loan agreements, executed as public deeds before a notary and filed with the Property Registry of the corresponding canton. Fund administration is carried out through authorized trust managers.
- Tax ID (RUC) 1793284591001, special taxpayer with the SRI.
- Registered address at Av. República del Salvador N35-146 y Suecia, Quito.
- Anti-money laundering controls under UAFE regulations.
- Annual external audit by a firm registered with the Superintendency.
Frequently asked questions
What investors ask us most
Is Ecactivo already operating?+–
We are in the final registration and technology roll-out phase. Our official launch with live projects is planned for the second quarter of 2026. By subscribing to the newsletter, you will get early access before the public opening.
Do I need to be a resident in Ecuador to invest?+–
It is not mandatory. We accept Ecuadorian and foreign investors of legal age, holding a valid ID document and a bank account in their name. Foreign investors must complete an enhanced due diligence (KYC) process.
How are my funds protected before disbursement?+–
While the round is open, funds are held in an escrow account managed by an authorized trust manager. If the round is not fully covered within the published period, 100% of the contributed capital is refunded within a maximum of 10 business days.
What happens if the developer defaults on payments?+–
Because each deal is backed by a first-rank mortgage, we have the right to start the judicial foreclosure process on the property. Recovered funds are pro-rated among all investors in the project.
How is the interest I receive taxed?+–
The interest paid is considered financial income and is subject to withholding at source. Ecactivo issues the monthly withholding receipts and submits the annual consolidated report to the Internal Revenue Service (SRI). Each investor is responsible for their personal tax return.
Can I withdraw my money before maturity?+–
Loans are closed-term, so principal is returned at the end of the project. In 2026 we will launch an internal secondary market that will let you sell your position to other registered investors, subject to demand.
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Be the first to invest when we open
Founder spots are limited to 500 investors in the first round. Subscribe and receive access 72 hours before the public launch.