Cotopaxi 78 Building
Quito - La Carolina
11.8% annual
- Term
- 24 months
- Collateral
- First-lien mortgage
- Progress
- 78% funded
Regulated in Ecuador · Founded in 2022
Fund Ecuadorian real estate from $50 and earn monthly returns
Ecanoval connects everyday lenders with vetted real estate developers in Quito, Guayaquil and Cuenca. Lend to mortgage-backed projects and follow your portfolio in real time.
Registered with the Ecuadorian Superintendence of Companies100% mortgage-backed loansMinimum lending amount $50 USD
Numbers that back Ecanoval
$4.8M
Funded across Ecuadorian projects since 2022
11.6%
Average annual net return in 2025
3,240
Active lenders across Ecuador
0
Loans classified as uncollectible to date
The topic
What is real estate crowdlending?
Real estate crowdlending is a collective way of financing property projects. Instead of a single bank lending all the capital, hundreds of individuals pool small amounts to lend to a developer. In return, each lender receives a proportional share of the agreed interest.
At Ecanoval we handpick Ecuadorian projects — residential buildings in Quito, condominiums in Samborondón, colonial refurbishments in Cuenca — and publish all their paperwork: deed, appraisal report, works schedule and the developer's financial statements.
Users choose which project to lend to and how much. A trust registered in Ecuador holds the funds and the mortgage collateral, so neither the developer nor Ecanoval keep the money on their balance sheet.
At the end of the term (usually between 6 and 36 months), the developer returns the capital plus interest. If they default, the trust enforces the mortgage over the property to recover the lenders' money.
How it differs from other options
Real estate crowdlending
You lend money. You receive capital plus a fixed interest rate. Mortgage-backed.
Equity crowdfunding
You buy a share of a company. Returns depend on future profits.
Buying property directly
Requires a large down payment, deed and paperwork. Little diversification.
Traditional investment funds
High fees and minimums of $5,000 or more. Limited transparency.
A clear process
This is how Ecanoval works step by step
01
Sign up online
Open your account with an Ecuadorian ID card or passport. Identity verification takes less than 10 minutes.
02
Explore the projects
Each opportunity shows the location, term, annual rate, collateral and a technical report signed by a certified appraiser.
03
Lend from $50
Commit any amount you want and diversify across several projects. Fund your account via bank transfer or Pichincha Cash.
04
Receive monthly payments
The trust deposits your interest and, at the end of the term, returns your capital to your Ecuadorian bank account.
Current projects
Opportunities open this week
Reference sample · Projects available at the time of your sign-up may vary
Río Babahoyo Condominium
Samborondón - Guayas
12.4% annual
- Term
- 18 months
- Collateral
- Mortgage + commercial trust
- Progress
- 42% funded
Cuenca Colonial House
Cuenca - Historic Downtown
10.9% annual
- Term
- 12 months
- Collateral
- First-lien mortgage
- Progress
- 91% funded
Join the waiting list to receive upcoming opportunities before anyone else.
Why Ecanoval
Lend to real estate without the headaches
Regulated in Ecuador
An Ecuadorian company incorporated in 2022 and registered with the Superintendence of Companies, Securities and Insurance.
Funds held in trust
Neither the developer nor Ecanoval touches your money. A trust managed by Fiduciaria del Pacífico safeguards all payments.
No hidden fees
The rate you see is the rate you receive. We do not charge for deposits, withdrawals or holding a balance.
Real diversification
With $500 you can participate in ten different projects across three Ecuadorian cities.
Independent appraiser
Every property is appraised by a professional registered with the Superintendence of Banks before it is listed.
Local Spanish support
Our team answers from Quito Monday to Saturday over WhatsApp, e-mail and landline.
About us
An Ecuadorian team building the new real estate market
Ecanoval was founded in 2022 in Quito when a group of civil engineers, lawyers and software developers noticed that 78% of Ecuadorians had never taken part in the real estate market due to lack of capital or access.
Today we operate from our office on Avenida Amazonas with a 22-person team spread between Quito, Guayaquil and Cuenca. We work with six vetted developers, one commercial trust and independent appraisers.
Our mission for 2026 is simple: give anyone with an Ecuadorian ID the ability to lend $50 and take part in the country's real estate growth with the same safety a bank enjoys.
Frequently asked questions
Let's clear your doubts
Is Ecanoval regulated in Ecuador?
Yes. Ecanoval S.A.S. is registered with the Ecuadorian Superintendence of Companies, Securities and Insurance under file 168.435 since March 14, 2022. We operate under Resolution SCVS-INMV-DNAR-2024-00081 for collaborative financing activities.
What is the minimum amount to lend?
The minimum is $50 USD per project. There is no maximum, but we recommend keeping any single loan below 15% of your portfolio.
What happens if the developer fails to pay?
The trust enforces the mortgage collateral and sells the property at public auction. The proceeds are distributed proportionally among the project's lenders.
Do I have to declare the interest to the SRI?
Yes. Interest received is taxable income. Every January Ecanoval issues you a detailed certificate with withholdings for your income tax return.
How long does it take to receive my money at the end of the term?
Your capital is credited to your Ecuadorian bank account within a maximum of 5 business days after the developer closes the loan.
Can I withdraw before the end of the term?
Ecanoval runs a secondary market every Friday: you can sell your position to another user. This is not guaranteed and depends on there being buyers on the other side.