Ecuadorian real estate,
sized for your wallet.
Cortexeec connects investors across the country with mortgage-secured loans on properties in Quito, Guayaquil, Cuenca and Manta. Tickets from one hundred dollars, transparent timelines and monthly reporting.
Collective loans backed by brick and mortar
Real estate crowdlending is a collaborative funding model in which dozens of investors each contribute a small ticket toward the capital a developer needs to build, refurbish or acquire a property. In exchange, they receive monthly interest payments and the return of principal at the close of the project.
At Cortexeec every deal is secured by a first-rank mortgage recorded at the corresponding notary office, appraised by an independent surveyor and supervised by our risk committee. You are not buying shares of a company: you are lending to a specific project, with a verifiable payment schedule and a construction-progress report delivered every thirty days.
Tickets from $100
Diversify your capital across several projects without compromising the liquidity of your household.
Real mortgage collateral
Each loan is backed by a first-rank mortgage recorded against the underlying property.
Verifiable reporting
Construction progress, account statements and payment flows are audited by an independent firm.
From curious investor to active position in four steps
Verify your identity
Complete the KYC flow with your Ecuadorian ID or passport. We review compliance in under 48 business hours.
Explore opportunities
Each project includes a technical memorandum, appraisal, payment plan and risk grade assigned by our committee.
Commit your ticket
Transfer from your Ecuadorian bank account or use a digital wallet authorised by the Superintendencia.
Receive monthly payments
Every month you will see interest credited to your Cortexeec account, ready to withdraw or reinvest.
Three projects currently raising capital
Figures updated at the close of the previous quarter. Each investment is allocated on a first-confirmed basis.
Maderal Building
Bridge loan to finish the two upper floors of a boutique office building facing La Carolina park.
Río Daule Residences
Financing for the finishing stage of twelve riverside townhouses, already 70% pre-sold under purchase promise.
Tomebamba Hostel
Acquisition and refurbishment of a heritage house to operate as a fifteen-room boutique hostel near the Tomebamba river.
A dollarised economy, a real estate market still to be discovered
Ecuador has operated under official dollarisation since 2000. That removes currency risk for local investors and lowers the cost of capital for developers. Formal real estate supply remains limited in intermediate cities such as Cuenca, Manta, Loja and Ambato, where demand has been growing at double-digit rates since 2021 according to the Central Bank of Ecuador.
- No currency risk thanks to official dollarisation.
- Crowdfunding framework updated in 2024 by the Superintendencia de Compañías.
- Rising residential demand in secondary cities with documented housing deficit.
- Notary and registry costs lower than the Andean average.
What our investors ask before getting started
Tell us what kind of investor you want to become
Our team in Quito replies during Ecuadorian business hours. If you prefer a call, leave us your name and message and we will set up a virtual meeting at no cost.
Edificio Mansión Blanca, 8th floor, Suite 803
Quito, Pichincha, Ecuador