Real Estate Crowdlending · Ecuador

Invest in Ecuadorian real estate from USD 100

Transectym connects investors with local developers in Quito, Guayaquil and Cuenca. Learn what real estate crowdlending is and receive vetted opportunities straight to your inbox.

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USD 12.4M funded

47 backed projects

3,200+ active investors

What is it?

Real estate crowdlending, explained for Ecuador

Real estate crowdlending is a collective financing model where several investors lend capital to a developer or property owner who builds, refurbishes or acquires a property. Unlike buying shares of a building, in crowdlending you lend money and receive a fixed interest rate over a defined term, usually between 6 and 36 months.

In Ecuador, where the economy has been dollarized since 2000, this model allows local investors and the diaspora to participate in real estate projects without the friction of purchasing an entire property. Transectym structures every opportunity with mortgage guarantees or trusts administered by authorized institutions in the country.

A loan, not a purchase

You provide capital as a loan and receive interest; you do not acquire the title deed.

Real guarantees

Each project is backed by a first-rank mortgage or a commercial trust.

Defined terms

You know the principal repayment date and the interest schedule before investing.

How it works

Four steps to get started with Transectym

Sign up and verify your identity

We validate your Ecuadorian ID card or passport and run due diligence under the anti-money-laundering rules in force in 2026.

Explore vetted projects

Our committee reviews every developer, the mortgage guarantee and the project cash flows before publishing it on the platform.

Lend from USD 100

You decide how much to allocate to each project. Typical nominal annual interest ranges between 9% and 14% in US dollars.

Receive principal and interest

Payments are credited to your bank account in Ecuador according to the schedule signed by the developer.

Why Transectym

Designed for the Ecuadorian investor

Returns in US dollars

No exchange-rate risk for those who live or save in USD within the country.

Accessible diversification

Spread your investment across several projects in Pichincha, Guayas and Azuay.

Document transparency

Access to deeds, appraisals and construction progress reports from your dashboard.

Local support

Team based in Quito available during continental Ecuador business hours.

No hidden fees

Cost structure published before each investment, with no surprises.

Regulatory compliance

We operate under the framework of the Ecuadorian Organic Law for Entrepreneurship and Innovation.

Trust

We work with recognized partners in Ecuador

We collaborate with trustees authorized by the Superintendence of Companies, Securities and Insurance, and notarial allies in the main cities of the country.

Trusts administered by supervised fiduciaries in Ecuador.
Annual financial audit by a registered external firm.
Guarantees registered at the corresponding Property Registry.

Frequently asked questions

We address your doubts before you invest

Who can invest with Transectym?: Individuals over 18 years old with a valid Ecuadorian ID card or passport, residents or non-residents, who complete the identity verification and source-of-funds process.
What is the minimum investment amount?: The minimum ticket is USD 100 per project, which allows you to build a diversified portfolio even with moderate budgets.
What happens if the developer does not pay?: We activate the mortgage guarantee or backing trust and execute the legal mechanisms set out in the loan agreement. The process takes place in Ecuadorian courts.
Is the interest received subject to tax?: Yes. The interest generated is subject to the rules of the Internal Revenue Service (SRI) of Ecuador. Transectym provides receipts for your annual income tax return.
Can I withdraw my capital before the term?: Crowdlending is a fixed-term investment. In selected projects we offer a secondary market to transfer your position to another verified investor, subject to availability.