Real Estate Vertical · Ecuador · 2026
Lend to the bricks.
Get recurring returns.
Jenector is the Ecuadorian real estate crowdlending platform that connects investors with local developers. Fund housing, offices, and commercial projects in Quito, Guayaquil, and Cuenca from $50 USD, backed by mortgage collateral and supervised contracts.
- Regulated in Ecuador
- Mortgage-backed
- From $50 USD
Ecuadorian market context · 2026
What real estate crowdlending is
The new path to invest in Ecuadorian real estate
Real estate crowdlending is a collective financing model in which multiple investors lend money to developers and property owners so they can execute real estate projects: housing construction, building renovation, acquisition of commercial premises, or land purchase.
Unlike traditional crowdfunding, investors do not buy a share of the property; they lend capital through a loan agreement with a defined term, a fixed interest rate, and a real guarantee—usually a first-lien mortgage on the same project. On maturity, the developer returns the capital plus the agreed interest.
In Ecuador, this model democratizes an industry that previously required minimum tickets of $30,000 or more. With Jenector, you can diversify your portfolio across several verified projects from $50 USD and receive monthly or quarterly payments throughout the life of the loan.
How it works
Four steps to lend to the real estate sector
Sign up and verify your identity
You complete the KYC process (ID, RUC, or passport) required by Ecuadorian anti-money laundering regulations. Takes less than 8 minutes.
Choose audited projects
Each project publishes its soil study, appraisal, schedule, target rate (10–14% annual), and type of collateral. Our risk committee approves less than 12% of the applications received.
Lend from $50 USD
You sign the loan agreement electronically and transfer from your Ecuadorian bank. Your contribution is recorded with the Superintendence of Companies.
Receive periodic payments
You receive monthly or quarterly interest in your bank account until maturity, when your capital is returned. All traceability is available in your investor dashboard.
Why Jenector
A model built for the Ecuadorian investor
Accessible ticket
From $50 USD per project. Diversify into 10, 20, or 50 different operations to reduce specific risk.
Objective returns
Target rates between 10% and 14% annual in USD, higher than the average bank time-deposit yield in Ecuador.
Mortgage collateral
Projects operate with a first-lien mortgage on the property, registered in the Property Registry.
Full transparency
Account statements, monthly construction photos, and annual external audit available 24/7.
Regulatory compliance
Jenector S.A. operates under the supervision of Ecuador's Superintendence of Companies, Securities and Insurance (SCVS).
No hidden fees
0% entry fee. 1% annual on active balance, already included in the net rate you see before investing.
Start building your real estate portfolio
Be first to invest with Jenector
Join the waiting list and access the first verified opportunities in 2026.
Frequently asked questions
Everything you need to know
Is it the same as buying an apartment?+
No. In crowdlending you lend money to the developer for a defined term. You don't acquire property of the real estate, but you also don't take on the risks of management, vacancy, or depreciation. You receive fixed interest and, at the end of the term, your capital back.
What happens if the developer doesn't pay?+
Since loans are secured with a first-lien mortgage, Jenector initiates foreclosure on behalf of investors. The sale value of the property covers the outstanding capital. We also maintain a 2% coverage fund to cover legal expenses.
Do I need to be a resident of Ecuador?+
Yes, in this first phase Jenector operates exclusively with investors holding Ecuadorian ID or foreign residents with active RUC. We are preparing enablement for Latin American investors during the second half of 2026.
What is the minimum and maximum amount?+
The minimum amount is $50 USD per project. The maximum per retail investor is $50,000 USD per project, following SCVS guidelines. Qualified investors can exceed this limit after accreditation.
How are the interests taxed in Ecuador?+
Interest is income subject to Income Tax. Jenector issues electronic receipts for each payment and applies withholding when appropriate. At fiscal year-end, you receive an annual summary for your tax return.