Cumbayá, Quito
Residencial Alba Norte
Multi-family housing
- $
- USD 420,000
- %
- 8.7% per year
- ⌛
- 18 months
Construction of 12 apartments with first-rank mortgage on the plot and the units.
Real estate crowdlending in Ecuador
Fund real estate alongside other Ecuadorians, from USD 250
Nobimarkett connects investors with local property developers in Quito, Guayaquil and Cuenca. A collective, regulated and transparent way to grow your wealth.
More than 4,200 subscribers already receive our monthly Ecuadorian market reports.
The Ecuadorian real estate market in 2026
Numbers that support the growth of real estate crowdlending in the country.
- 8.4%
- Average target annual return of our projects
- USD 250
- Minimum ticket per project
- 18 months
- Average tenor of funded loans
- 3 cities
- Quito, Guayaquil and Cuenca currently covered
Key concept
What is real estate crowdlending?
Real estate crowdlending is a form of collective lending. A group of investors lends money to developers or property owners to build, buy or renovate a property. In exchange, each participant receives an agreed annual interest rate and the return of their capital when the project ends.
In Ecuador, this model provides access to real estate with affordable tickets, without having to buy a whole property. Projects are structured through private loan agreements, backed by mortgages or trust guarantees on the property and a clearly defined repayment schedule.
Unlike equity crowdfunding, the investor is not a shareholder and does not participate in the management: their role is that of a creditor. This makes the operation simpler and more predictable, and makes it easier to diversify across several projects with the same capital.
Crowdlending vs. traditional real estate investment
| Aspect | Crowdlending | Direct purchase |
|---|---|---|
| Minimum ticket | From USD 250 | From USD 40,000 |
| Management | Delegated to the platform | Handled by the owner |
| Liquidity | Upon project maturity | Sale of the property |
| Diversification | High, multiple projects | Low, one single asset |
| Notary paperwork | Handled by the developer | Buyer's responsibility |
Step by step
How Nobimarkett works
A clear journey, from picking a project to the final repayment.
- 01
Sign up and verify your identity
Complete your registration with an Ecuadorian ID card or passport. We comply with Ecuador's anti-money laundering regulations.
- 02
Review the published projects
Every opportunity includes a data sheet, independent appraisal, property valuation, repayment schedule and a risk analysis of the developer.
- 03
Invest from USD 250
Transfer your contribution to the chosen project. You can spread your capital across several projects to reduce the overall risk of your portfolio.
- 04
Receive interest and principal
The developer repays capital according to the agreed schedule. Payments are credited to your Ecuadorian account in US dollars.
Why us
Advantages of investing with Nobimarkett
Access from USD 250
We democratise the Ecuadorian real estate market, letting savers and young professionals participate with accessible tickets.
Projects with real collateral
Every loan is secured by a mortgage or commercial trust on the property, protecting investors' capital.
Local diversification
Spread your capital across projects in Quito, Guayaquil and Cuenca, with different maturities and risk profiles.
Total transparency
Quarterly construction progress reports, on-site photos and developer financials, all available in your dashboard.
Payments in US dollars
Interest and repayments are credited in USD, Ecuador's official currency, with no intermediate conversions.
Human support
A local team in Quito answers your questions by email, phone or WhatsApp, Monday to Friday during business hours.
Representative sample
Examples of published projects
The following are examples of past operations. Subscribe to receive new opportunities in your inbox.
Samborondón, Guayaquil
Torres Río Daule
Full refurbishment
- $
- USD 680,000
- %
- 9.1% per year
- ⌛
- 24 months
Rehabilitation of two office towers converted into residential use with a pre-existing sale agreement.
El Batán, Cuenca
Casas del Tomebamba
Real estate bridge
- $
- USD 310,000
- %
- 7.9% per year
- ⌛
- 12 months
Bridge financing to complete six single-family homes with buyers' reservations already signed.
Past performance does not guarantee future returns. Every investment involves the risk of partial or total loss of capital.
Risks you should know
Being transparent about risk is part of our educational commitment.
Default risk
The developer could delay or fail to make payments. That is why we review their track record, guarantees and corporate structure before publishing the project.
Term risk
Real estate projects can be delayed by permits, weather or suppliers. We communicate any change in advance.
Market risk
The value of the property can fluctuate. Our analysts apply a conservative safety margin when appraising the collateral.
Liquidity risk
Your capital is committed until the project matures. We recommend investing only surplus funds that you do not need in the short term.
Frequently asked questions
We answer your questions about real estate crowdlending
Do I need to be a real estate expert to invest?+−
No. Nobimarkett publishes an independent analysis of every project, so anyone with basic financial knowledge can make an informed decision.
What happens if the developer does not pay?+−
The agreed real guarantees are executed: mortgage, trust or assignment of rights. Recovery can take time, but the capital is backed by the property.
How much can I invest?+−
From USD 250 per project up to the limit defined in your profile. We recommend diversifying across at least five different projects.
Do I have to report the interest I receive?+−
Yes. Returns are part of Ecuador's income tax. We issue an annual certificate with the details for your filing.
Can I withdraw my money early?+−
Crowdlending does not allow early withdrawals. Capital is released at project maturity or when the developer decides to prepay.
Are projects in dollars or another currency?+−
All projects are structured, collected and paid in US dollars, Ecuador's official currency since 2000.
Free resources
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