Expansive

Expansive is a Mexican real estate crowdfunding (fondeo colectivo inmobiliario) fintech that allows individuals to invest in residential and commercial property developments starting from MXN 1,000, earning attractive monthly returns backed by real collateral. Founded around 2015 and based in Mexico City, it connects real estate developers seeking agile financing with investors looking for better yields than traditional bank products, while lowering entry barriers to institutional‑grade real estate.

How Expansive works

Developers approach Expansive to finance housing (mainly vertical) and other real estate projects; the platform and an external risk/valuation committee—composed of real estate developers and banking/finance experts—conduct extensive due diligence to select only the best opportunities. Approved projects are listed on the digital platform; investors fund them collectively in exchange for fixed‑income instruments (debt crowdfunding), and the developer repays capital plus interest over agreed terms, while Expansive distributes each investor’s share.

Investors:

• Open an account, complete their profile, and transfer funds to a personalized CLABE.
• Choose projects and invest from MXN 1,000, building a diversified portfolio.
• Receive monthly interest payments, with advertised yields up to roughly 17% annual, depending on project and risk profile.​​

The platform stresses that its past‑due portfolio (cartera vencida) “tends to zero” and that Expansive only earns its own interest once investors have received theirs, aligning incentives.​

Regulation and positioning

Expansive is a fully authorized Institución de Financiamiento Colectivo under Mexico’s Fintech Law; it became the 51st platform to obtain definitive CNBV authorization and the sixth regulated real‑estate crowdfunding firm (alongside 100 Ladrillos, M2Crowd, Arces, Topkapital and Monific). This means it is supervised by CNBV and Banxico, must comply with regulatory standards on risk management, transparency, and AML/CTF, and uses real estate guarantees (garantías reales) to secure investors’ capital.

Mission and impact

Expansive’s mission is to contribute to Mexico’s real estate sector and economic development by providing developers with flexible financing that traditional bridge loans often cannot offer, while enabling everyday investors to participate in otherwise inaccessible projects. Since 2016 it has financed around MXN 280 million in vertical housing and other developments and is now exploring capital‑financing models and cross‑border projects in markets such as the United States and Canada.

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