Expansive
- Sphere
- Real estate
- Investment type
- Debt
- Operates in
- North America
- AUM / total financed
- 280M MXN
- Min investment
- 1000 MXN
- Advertised return
- 15,50%
- Avg. duration
- 12 months
- Investors
- 18269
- Funding methods
- Bank transfer, Direct debit
À propos de la plateforme.
Expansive is a Mexico-based real estate crowdfunding platform that enables individuals to invest in property development projects through a regulated digital marketplace. Authorized under Mexico’s Fintech Law and supervised by the CNBV, the platform offers access to residential and commercial real estate investments with relatively low entry thresholds and asset-backed structures.
Forces & réserves.
Avantages
- Authorised by CNBV Comisión Nacional Bancaria y de Valores (licence Not disclosed) — operating under a national investor-protection regime
- Operating since 2015 — a multi-cycle track record investors can audit before allocating
- 280M MXN cumulative funded volume as of May 2026 — meaningful deal flow rather than a handful of legacy listings
- 18 269+ registered investors — broad community spreads default risk across many balance sheets
- Advertised gross return up to 15.5% p.a. — competitive against fixed-income alternatives in the same risk band
- 12 months typical project duration — predictable horizon you can match to your cash-flow plan
- Focused on debt — a specialist book rather than a broad alternative-asset shopping list
- Originates deals across North America — geographic diversification baked in
- Funds in via bank transfer, direct debit — no crypto wrappers, no third-party custodians
- Plain-fiat rails — SEPA / local bank in and out, no on-ramp fees, no chain congestion
- Public profile, regulated peers and transparent loan-book reporting — typical of serious real estate platforms
Inconvénients
- Capital at risk — past performance does not guarantee future returns; the platform is not a bank deposit
- Investments are illiquid for their full term (12 months) unless an active secondary market exists at the moment you need to exit
- Returns depend on borrower / sponsor execution — defaults, late payments and partial recoveries erode the headline rate, often by 1–3 percentage points after fees and cash drag
- Property market downturns delay exits and reduce realised returns — construction-cost overruns, planning disputes and refinancing failures are common on multi-year deals
- No buyback guarantee on overdue or defaulted loans — recovery depends on collateral realisation or borrower workout, which can take 12–24 months
- No secondary market — invested capital is locked until each underlying deal reaches maturity; budget accordingly before allocating
- Tax treatment of interest and capital gains is the investor’s responsibility — most platforms do not withhold automatically, and treaty relief is not always available
How it works.
Expansive is a real estate crowdfunding platform headquartered in Mexico. Retail and accredited investors fund debt opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at 1 000 MXN and typical deal terms run 12 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by CNBV Comisión Nacional Bancaria y de Valores. Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
Opening an account.
- 01 Create an account on the platform with your email and a strong, unique password (use a manager).
- 02 Complete KYC — upload a government-issued ID document and proof of address (utility bill, bank statement, dated within 3 months).
- 03 Confirm tax residency and provide a tax-ID number for the country where you’ll declare returns.
- 04 Fund the investor account via bank transfer, direct debit (minimum 1 000 MXN). First deposits sometimes take 1 business day to credit.
- 05 Review the loan book — read the project memo, originator history, collateral pack and default-rate disclosures before committing capital.
- 06 Build a portfolio of 20–30 positions to diversify; configure auto-invest rules if you prefer a hands-off approach.
- 07 Track monthly statements, reinvest scheduled returns, and withdraw available cash to your bank account whenever needed.
Fees & charges.
- Account opening: free — there is no signup, KYC or annual maintenance fee for investors.
- Minimum deposit: 1 000 MXN per transaction. There is no upper limit for retail accounts; institutional and family-office tickets are negotiated separately.
- Deposit fees: SEPA and local bank transfers are free. Cross-border SWIFT may incur correspondent-bank charges set by your bank, not the platform.
- Investment fees: typically zero on the investor side — the platform earns from origination / servicing fees paid by the borrower or sponsor, and that economic burden is already reflected in the headline yield.
- Servicing fees: some platforms levy a small annual servicing fee (often 0.5–1 %) on outstanding principal; check the latest fee schedule on the platform’s legal page before allocating size.
- Withdrawal fees: free for in-region SEPA or local bank transfers; non-EUR / non-local withdrawals may incur a small fixed bank fee.
- Secondary-market fees: when a secondary market exists, sellers typically pay a 0.5–1 % transaction fee on the realised price; check before listing.
- Tax: interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically — investors report income in their annual return and may apply double-tax-treaty relief where available.
Deposits & withdrawals.
- Deposit methods: Bank transfer, Direct debit. Crypto is generally not supported.
- Minimum deposit: 1 000 MXN per transaction. No upper limit for retail accounts.
- Deposit processing: SEPA usually credits within 1 business day; instant SEPA arrives in minutes where supported.
- Withdrawal method: SEPA / local bank transfer to the account on file. No third-party withdrawals.
- Withdrawal processing: Available cash typically arrives within 1–3 business days; funds locked in active deals only return as borrowers repay.
- Early exit: No secondary market — plan on holding deals to maturity.
Historical yields.
The platform advertises target gross yields around 15.5% p.a.. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Mexico macro context — local interest rates, property cycle and employment data move default rates in real time. Investors should diversify across at least 20–30 deals before extrapolating any single year of returns.
Licences & regulation.
- Regulator
- CNBV Comisión Nacional Bancaria y de Valores
- Licence number
- Not disclosed
Who it suits.
Suited to investors looking for collateralised income with a 12 months horizon, comfortable with project delays, periodic write-downs and the limited liquidity typical of property deals. Minimum ticket from 1 000 MXN. Best used as a complement to a diversified fixed-income allocation, not as a substitute for it.
Risk disclaimer.
Capital at risk. Expansive is a private investment platform, not a bank or insurance company. Investments are not covered by any national deposit-guarantee scheme (FGD in Spain, FGDR in France, FSCS in the UK, FDIC in the US, and equivalent regimes elsewhere). You can lose part or all of your invested capital.
Default risk. Borrowers and sponsors can stop paying for many reasons — business failure, fraud, macro downturn, regulatory shocks. Even with strong collateral, recovery is slow (12–24 months is typical) and partial. The platform’s historical default rate is a starting point, not a guarantee.
Property-cycle risk. Real estate is sensitive to interest rates, construction costs and the local rental market. Delays, planning disputes and forced sales below valuation are routine in stressed markets.
Liquidity risk. There is no secondary market — invested capital is locked until each deal reaches maturity. Do not allocate money you may need at short notice.
Tax & reporting. Interest and capital gains are taxable in your country of residence. Most platforms do not withhold automatically; you are responsible for declaring income and, where applicable, applying double-tax-treaty relief in your annual return.
No investment advice. Information published on this profile is editorial / informational and does not constitute personalised investment advice. Consult an authorised adviser before committing meaningful capital.
Where to find Expansive.
- Official website: expansive.mx — official sign-up, terms, fee schedule and current deal pipeline.
- Support email: typically
support@expansive.mxorhelp@expansive.mx— confirm on the platform’s contact page before sending sensitive information. - Registered office: Mexico — verify the exact registered address and company number on the platform’s legal / imprint page before mailing physical documents.
- Regulator on file: CNBV Comisión Nacional Bancaria y de Valores.
- Investor relations: Expansive publishes regular performance and loan-book updates via its blog and email newsletter — subscribe before allocating meaningful capital so you receive default notices and portfolio-level alerts.
- Complaints: first-line complaints go to the platform’s support desk; unresolved issues can typically be escalated to the national regulator (addresses listed on the registry page above) or to a local financial ombudsman.
Frequently asked.
Is Expansive regulated?
Expansive operates under supervision of CNBV Comisión Nacional Bancaria y de Valores. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
What is the minimum investment on Expansive?
The minimum ticket per deal is 1 000 MXN. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
What returns can I expect from Expansive?
Advertised gross yields are 15.5% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
How long does it take to withdraw funds from Expansive?
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
What happens if a borrower defaults?
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
What happens if Expansive itself goes bankrupt?
Investor cash held on the platform is segregated from Expansive’s own balance sheet, as required by the rules of CNBV Comisión Nacional Bancaria y de Valores. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Do I pay tax on the income?
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
What is the typical deal duration on Expansive?
Typical project duration is 12 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
How many deals should I hold to be diversified?
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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