Residential
Apartment buildings in Quito
Projects in established neighbourhoods such as Cumbayá, La Carolina and González Suárez. We finance construction stages with strong pre-sales.
Collective real estate investing
Real estate crowdlending, made in Ecuador
Take part in loans backed by vetted real estate projects in Quito, Guayaquil and Cuenca. Diversify your portfolio from accessible amounts, with transparency and monthly reports.
Platform registered with the Superintendence of Companies of Ecuador.
Numbers behind the platform
Figures updated as of the first quarter of 2026.
+8.2M
USD funded across real estate projects
31
Projects financed since 2022
9.4%
Average historical gross annual rate
USD 250
Minimum ticket to participate
Concept
What is real estate crowdlending?
Real estate crowdlending is a collective investment model where many people lend capital, together, to a real estate developer to finance a specific project: a new building, a refurbishment or a bridge operation. In exchange, each participant earns interest during an agreed term and gets the principal back at maturity.
- 01
You don't buy the property, you finance the project
Unlike fractional ownership crowdfunding, in crowdlending you are not a co-owner of the property. You are a lender: you put capital to work and earn interest under the contract signed with the developer.
- 02
Backed by real collateral
Every operation is structured with collateral on the underlying asset or on the project cash flows. Patrolypas reviews technical, financial and legal feasibility before publishing any opportunity.
- 03
Defined terms, predictable cash flow
Typical terms in Ecuador range from 12 to 36 months, with periodic interest payments. You know from day one when each instalment and the principal will arrive.
- 04
Accessible and easy to diversify
Real estate financing used to be reserved for banks and funds. Today, from USD 250 you can participate in several projects at once, spreading risk and building a diversified real estate portfolio.
Process
How Patrolypas works
A transparent process, step by step, from project selection to interest payouts.
01
We originate and filter
Our investment committee reviews developers with a track record in Ecuador. Only 1 out of every 12 projects analysed gets published.
02
We structure the deal
We define term, rate, schedule and collateral. Everything is recorded in a public deed and in the loan contract signed with each investor.
03
We publish the opportunity
You receive the project fact sheet, market study, budget, construction schedule and risk analysis. You decide whether to participate and how much to invest.
04
You earn and reinvest
As the project moves forward, you receive monthly or quarterly interest payments. At maturity, your principal is returned and you can reinvest.
Project types
What you actually fund with Patrolypas
Real Ecuadorian transactions, reviewed one by one.
Mixed-use
Developments in Cuenca and Loja
Mid-market housing with ground-floor commercial space. Stable markets and proven absorption rates.
Bridge financing
Bridge loans for developers
Short-term capital (6 to 18 months) collateralised with already-titled assets, while the developer secures bank financing.
Why Ecuador
Ecuador, a dollarised and resilient market
Since the year 2000, Ecuador has used the US dollar as its official currency. This removes local currency risk and brings stability to long-term real estate operations.
- Dollarised economy since 2000, no local devaluation risk.
- Structural housing deficit above 1.4 million units, according to MIDUVI figures.
- Sustained urban population growth in Quito, Guayaquil, Cuenca and Manta.
- Clear regulatory framework for local and foreign investors.
- Construction costs that remain competitive within the Andean region.
Benefits
Why investors choose crowdlending
Accessible tickets
Start from USD 250 per project and build a diversified portfolio.
Predictable returns
Rates agreed by contract, with a clear interest payment schedule.
Tangible asset
Every loan is backed by physical real estate projects, not by financial derivatives.
Full transparency
Monthly progress reports, on-site photos and auditable statements.
Diversification
Participate in several projects at once, across different cities and terms.
No banking paperwork
Fully digital onboarding with a valid Ecuadorian ID or passport.
Transparency
Risks you should know
Every investment carries risk. Real estate crowdlending is no exception. Before you take part, you should understand the following:
- Investments are not covered by the Deposit Insurance Corporation of Ecuador (COSEDE).
- The invested capital can be partially or fully lost if the project defaults.
- Past returns do not guarantee future returns.
- Liquidity is limited: capital remains committed until the loan matures.
- Investment decisions are the sole responsibility of the user.
Frequently asked questions
Most common questions
Do I need to be Ecuadorian to invest?+
No. Patrolypas accepts local and foreign investors of legal age, provided they complete the identity verification process (KYC) and comply with Ecuador's anti-money laundering regulation.
What is the minimum amount to participate?+
The minimum ticket per project is USD 250. There is no maximum, but we recommend diversifying across several projects.
In which currency are returns paid?+
All operations are denominated and paid in US dollars, the official currency of Ecuador since the year 2000.
How does Patrolypas pick projects?+
Every deal goes through a technical, financial and legal review. We assess the developer, the location, the budget, municipal permits and the commercial absorption outlook.
What happens if a project is delayed?+
We communicate any delay immediately. When necessary, we enforce the collateral agreed in the loan contract and represent creditors in court or out of court.
Does the platform charge any fees?+
Registration and subscription are free. Patrolypas charges the developer a fee for structuring and servicing the operation, not the investor.
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