We fund bricks.
We share the yield.
Nobiglobal connects Ecuadorian investors with vetted real estate developers in Quito, Guayaquil and Cuenca. Lend from USD 100, backed by a first-lien mortgage, and collect monthly interest payments.
"Real Estate Crowdlending in Ecuador: a practical guide." We send the PDF and a monthly newsletter with new opportunities.
What is real estate crowdlending
Real estate crowdlending is a form of collective financing in which many people lend small amounts of money to a developer or property owner for a real estate project. In return, each lender receives periodic interest payments and the repayment of principal at maturity, backed by a mortgage on the property.
Unlike equity crowdfunding —where you receive shares in a company— in crowdlending you are a creditor. You sign a loan agreement (mutuo) secured by a first-lien mortgage registered at the Property Registry of the canton where the asset is located. This structure is recognised by Ecuador's Civil Code (articles 2099 et seq.) and by the Organic Law of Entrepreneurship and Innovation of 2020, updated in 2024.
At Nobiglobal we select operations on finished properties or with construction progress above 60 %, located in consolidated urban areas of Ecuador. Every loan has a term between 12 and 36 months, a maximum LTV of 65 % and monthly interest payments. Our risk committee, made up of appraisers registered with the Superintendency of Banks, reviews every file before it is published.
Four steps, zero friction
Sign up and verify your identity
We follow the KYC procedure under Resolution JPRF-F-2023-069 of the Monetary Policy Board: national ID or passport, proof of income and source of funds verification.
Explore verified opportunities
Every project shows the appraisal, LTV, term, nominal annual rate and payment schedule. No small print: we also publish the specific risks of each deal.
Lend from USD 100
Electronically sign the mortgage-backed loan agreement via Security Data, authorised by Ecuador's Central Bank. Diversify across several projects.
Receive monthly interest
Payments hit your Ecuadorian bank account within the first 5 days of each month. Principal is returned at maturity. Everything is recorded in your tax panel for the SRI.
Why Ecuadorians choose Nobiglobal
Real mortgage collateral
Every loan is backed by a first-lien mortgage registered in the name of the trust vehicle managed by Fiducia S.A. Maximum LTV of 65 % over a recent appraisal.
Accessible ticket
Start with USD 100. Diversify across 10 or more operations to reduce concentration risk from day one.
Transparent yield
Target yield between 8.5 % and 12 % nominal annual in US dollars. Single 1 % annual fee on outstanding capital, with no hidden charges.
Everything in US dollars
Ecuador has used the US dollar as its official currency since 2000. No currency risk inside the country.
SRI-ready tax panel
Download your withholding certificate and yield breakdown for your Income Tax filing with the Internal Revenue Service (SRI).
Human support in Quito
Our investor relations team replies in under 4 business hours from our Cumbayá offices.
What you should know before lending
Every investment involves risk. At Nobiglobal we believe the only way to build trust is to speak plainly. These are the main risks of real estate crowdlending in Ecuador.
Default risk
The borrower may fall behind or stop paying. If that happens, we start the mortgage enforcement process under the General Organic Code of Procedures.
Liquidity risk
The loan runs until maturity. There is no guaranteed secondary market; you can only exit early if another lender buys your position.
Valuation risk
The value of the property may change. In enforcement, the auction price could be below the initial appraisal, especially in adverse economic cycles.
Regulatory risk
Ecuador's crowdfunding framework is still evolving. Regulatory changes could affect terms, fees or timing of operations.
Projects funded in 2025
Residential building · 12 units
Townhouses · Phase 2
Heritage restoration
Frequently asked questions
Do I need to be an Ecuadorian resident to lend?
Nobiglobal currently operates for individuals and legal entities with fiscal domicile in Ecuador. We are working on the process for non-resident foreigners during 2026.
What is the minimum amount to start?
The minimum ticket per operation is USD 100. We recommend diversifying across at least 10 different projects to better manage concentration risk.
How is income tax paid on the interest?
Interest is taxable income under Ecuador's Internal Tax Regime Law. Nobiglobal withholds 2 % at source and issues the corresponding certificate for your annual filing with the SRI.
What happens if Nobiglobal disappears?
Mortgage-backed loan agreements are signed between the borrower and the trust vehicle managed by Fiducia S.A., not with Nobiglobal. Even if we ceased operations, the trustee would continue collecting payments until maturity.
Are the loans covered by the COSEDE?
No. The Deposit Insurance Corporation covers deposits in banks, cooperatives and mutual companies. Real estate crowdlending is a direct lending operation between parties and is not covered by the COSEDE.
Everything you should know before lending
Download the free guide "Real Estate Crowdlending in Ecuador 2026": 42 pages with legal framework, real cases, analysis templates and a yield calculator. You'll also receive the monthly newsletter with newly published deals.