Real estate crowdlending across Ecuador
Join the community of Ecuadorian investors funding real estate projects in Quito, Guayaquil and Cuenca from accessible amounts, with mortgage collateral and fixed returns in US dollars.
Real estate investing without buying a property
Built for Ecuadorian savers and investors looking to diversify beyond traditional fixed income.
Real estate collateral
Every loan funded on the platform is secured by real estate located in Ecuador and approved by our internal risk committee.
Full transparency
You know the developer, the project location, the payment schedule and the fixed rate before investing a single dollar.
Regulated operation
We operate under Ecuador's Organic Law of Entrepreneurship and Innovation, supervised by the Superintendency of Companies.
Real estate crowdlending, explained simply
Real estate crowdlending is a collective financing model in which multiple investors lend money to a real estate developer and receive a fixed agreed return, secured by a property.
Unlike traditional crowdfunding, you do not buy a share of the project: you lend capital at a defined interest rate over a clear term, typically between 12 and 36 months.
At Lectrones every loan is secured with a first- or second-rank mortgage on the project's property in Ecuador, significantly reducing risk compared to other instruments.
It is an ideal alternative to diversify your dollar savings, generate passive income and participate in the growth of the real estate sector without paying installments, property tax or maintenance.
Key features
- Fixed annual rate in US dollars.
- Mortgage collateral registered before an Ecuadorian notary.
- Monthly or bullet payments depending on the project.
- No entry or exit fees for the investor.
Start investing in three steps
Create your verified account
Sign up with your ID or passport and complete our KYC process in less than 5 minutes.
Browse and pick projects
Review each project's dossier: location, collateral, rate, term and risk level assigned by our committee.
Collect your returns in USD
Receive fixed interest in your Lectrones account and withdraw to your Ecuadorian bank whenever you want, with no penalties.
Designed for the Ecuadorian investor
From USD 250
Invest accessible amounts and diversify across several projects at once.
Fixed yield
Rates agreed in dollars with a transparent payment schedule.
Mortgage collateral
Every project is backed by real estate located in Ecuador.
100% digital
Manage your investments from your phone, with no paperwork or queues.
Risk committee
Expert team reviews every developer before publishing a project.
Real-time reports
Track construction progress and payments directly from your dashboard.
Clear answers about real estate crowdlending
Is Lectrones regulated in Ecuador?+
Yes. We operate as an Ecuadorian company registered before the Superintendency of Companies, Securities and Insurance, aligned with the Organic Law of Entrepreneurship and Innovation (LOEI) in force in 2026.
What is the minimum investment amount?+
The minimum ticket is USD 250 per project, allowing you to easily diversify across different real estate operations.
What happens if a developer does not pay?+
Every loan has mortgage collateral. In case of default, we enforce the collateral on behalf of investors to recover the capital.
How do I withdraw my money?+
You can withdraw principal and interest to any Ecuadorian bank via SPI transfer, with no fees charged by Lectrones.
Do I need to be a real estate expert?+
No. Our committee analyses each project and we publish a simple report with the risk level, collateral and expected yield.
Be part of the new way of investing in real estate
Subscribe to receive the list of 2026 open projects, opportunity alerts and our complete guide to real estate crowdlending in Ecuador.
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