Real estate crowdlending · Ecuador

Lend to Ecuadorian bricks. Collect monthly interest.

Nobiajtae connects investors with vetted local developers across Ecuador. Fund residential and commercial projects from $250 and earn a projected 9%–14% annual interest, backed by first-lien mortgages.

Get the free 2026 guide See how it works

$14.7M

Funded in Ecuador since 2019

9 – 14%

Projected annual net return

6,812

Verified investors in 2026

Defaults on closed operations

Quito · Cumbayá · Guayaquil · Cuenca · Manta

The concept

What is real estate crowdlending, really?

Real estate crowdlending is a collective loan backed by a property. Instead of buying a home, a group of investors lends capital to a developer or owner and collects interest monthly or at project maturity. At Nobiajtae we apply this model specifically to the Ecuadorian market, secured by a first-lien mortgage recorded at the local Property Registry.

1. A real project, screened in Ecuador

Our risk committee, based in Quito and Guayaquil, reviews land title, municipal permits, appraisal and market flow. Only 7% of projects received in 2026 are published on the platform.

2. A collective loan from $250

Investors lend the developer the required amount. Each contribution is documented with a loan agreement, a promissory note and an open mortgage in favour of the lenders.

3. Periodic interest and capital repayment

The developer pays interest monthly or quarterly depending on the deal and returns the capital once the property is sold or refinanced, over 6 to 36-month terms.

4. A return profile unlike buying a house

Unlike buying a home to rent, you don’t manage tenants or maintenance. Unlike a time deposit, your money is backed by a tangible asset in Ecuador.

How it works

Four clear steps to lend to Ecuadorian real estate

Sign up and verify

Open your account with your Ecuadorian ID or passport. We comply with UAFE rules, KYC policy and anti-money-laundering standards. Verification takes less than 24 business hours.

Pick a project

Read the project memo, the appraisal signed by an appraiser registered with the Superintendency, the target LTV and the payment schedule. Each listing shows city, district and type of collateral.

Lend from $250

Sign the electronic contract, legally binding in Ecuador, and transfer from your local bank. Funds stay in escrow until the project reaches 100% funding.

Receive interest in your account

Interest is paid in US dollars directly to your Ecuadorian bank account. Download tax certificates ready for your yearly filing with the Servicio de Rentas Internas.

Representative projects 2026

Real operations across Ecuador’s main cities

A snapshot of projects we have funded or that are currently open for lending. Figures shown are indicative; final terms are disclosed inside the platform.

Quito · Cumbayá

Funded

Residencial Cumbayá 12

Residential bridge loan

TIR: 11.8% projected IRR
Plazo: 18 months
LTV: LTV 58%

Guayaquil · Los Ceibos

Open for funding

Torre Ceibos Business

Commercial development

TIR: 13.2% projected IRR
Plazo: 24 months
LTV: LTV 62%

Cuenca · El Vergel

Funded

Lofts Río Tomebamba

Heritage refurbishment

TIR: 10.4% projected IRR
Plazo: 14 months
LTV: LTV 55%

Guayaquil · Vía a Daule

Open for funding

Bodegas Vía Daule

Light industrial

TIR: 12.6% projected IRR
Plazo: 30 months
LTV: LTV 60%

Past returns do not guarantee future results. Every real estate loan carries risks of arrears, extension or partial capital loss.

Why Ecuador

A dollarised market with a housing gap and developers hungry for capital

Dollarised economy

Ecuador has used the US dollar as its official currency since the year 2000. You lend, collect and reinvest without exchange-rate risk.

Housing deficit

Sector figures point to a national need of about 1.7 million new or improved dwellings. Structural demand supports prices in Quito, Guayaquil, Cuenca and Manta.

Selective banks

Mid-size developers rarely access traditional bank credit. Nobiajtae fills that gap with fair terms for both lender and borrower.

A diaspora that lends back home

Ecuadorians in Spain, Italy and the United States use Nobiajtae to lend to projects in their home city and share the local real estate upside.

Comparison

Real estate crowdlending vs. other options in Ecuador

	Nobiajtae · Crowdlending	Buying a home	Bank time deposit
Minimum ticket	$250	$40,000 and up	$500
Estimated annual return	9% – 14%	6% – 8% (gross rent)	5% – 8%
Operational effort	None	High (tenants, upkeep)	None
Collateral	Mortgage on the property	The property itself	Deposit insurance up to $32,000
Liquidity	At project maturity	Low (long sale process)	At end of term

Risk management

Lending is profitable, but it carries risk. This is how we mitigate it.

Independent risk committee

Three analysts and a real estate lawyer review every operation. We reject deals with LTV above 70% or incomplete municipal permits.

First-lien mortgage

Every loan is backed by a mortgage recorded at the Property Registry of the corresponding canton, in favour of a common representative of the lenders.

Real diversification

We recommend spreading your capital across at least 8 different projects in different Ecuadorian cities and sectors to soften any single adverse event.

Monthly transparency

Construction updates, photos, committee minutes and financials for each project are published directly on your investor dashboard.

Trusted by

Testimonials from Ecuadorian investors

“I have lived in Milan for eleven years and I wanted to invest in my country. With Nobiajtae I lend to projects I personally know in Cuenca and I collect interest in US dollars every quarter.”
María Fernanda Vélez
Investor, Ecuadorian diaspora in Italy

“I started with $500 in a warehouse project on Vía Daule. I now have ten active deals and the platform explains every guarantee with a level of detail that is uncommon in Ecuador.”
Andrés Salcedo
Engineer, Guayaquil

“I wanted to diversify beyond bank funds. Nobiajtae’s risk committee answered every question with documents, appraisals and recorded site visits.”
Verónica Toapanta
Dentist, Quito

Frequently asked

Everything you want to know before lending

Is Nobiajtae a bank or a trust?: No. Nobiajtae is a technology platform for real estate crowdlending. We do not take deposits nor manage savings accounts. We facilitate direct loans between investors and developers, backed by private contracts and mortgage collateral.
What is the minimum ticket to lend?: The minimum ticket is two hundred and fifty US dollars (USD 250) per project. There is no entry fee for the investor.
How are interest payments taxed in Ecuador?: Interest received is reported as financial income to the Servicio de Rentas Internas. At year-end you can download a consolidated tax certificate from your dashboard.
What happens if a project falls into arrears?: Our recovery protocol kicks in: first renegotiation, then mortgage foreclosure through our lawyers. Lenders participate pro rata in the auction of the property.
Can I invest from outside Ecuador?: Yes. We accept investors living abroad, especially the Ecuadorian diaspora in Spain, Italy, the United States and Chile, subject to the KYC rules in force in 2026.
Can I withdraw my money before maturity?: Loans are repaid at the maturity agreed with the developer. We do run an internal secondary market where you can offer your position to other verified investors.