URBE.ME
URBE.ME is a Brazilian digital real estate crowdfunding platform, operating as a banking correspondent under CMN 4.935, that connects individual and institutional investors with real estate developers (incorporadoras) through CCB debt instruments, requiring a R$1,000 minimum investment per project.
- Company typePrivate
- Founded2015
- HeadquartersPorto Alegre, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingDigital Commerce or Content
What URBE.ME does
URBE.ME (legal name URBE.ME Serviços Desenvolvimento Urbano Ltda.) is a Brazilian digital crowdfunding platform founded in 2014/2015 and headquartered in Porto Alegre, Rio Grande do Sul, that intermediates debt capital between real estate developers (incorporadoras) and a base of individual and institutional investors. Operating as a banking correspondent under Brazilian Central Bank Resolution CMN No. 4.935 (2021), the platform connects developers seeking non-bank complementary financing — without requiring real estate collateral, instead relying on developer guarantees (aval) and the Patrimônio de Afetação legal structure — with investors who acquire CCB (Cédula de Crédito Bancário) debt instruments via a fully digital onboarding and PIX-based payment flow. The platform applies a stated curation bar of approving fewer than 5% of proposed projects based on financial statements, track record, economic viability, and market demand. As of available data the platform has facilitated R$202 million across 149 real estate projects, serves roughly 125,000 registered investors (approximately 7,000 active), and reports 21.11% average historical annual returns with 81% payment compliance and 0% capital loss to date.
The platform's product stack comprises three core modules: Origination & Governance (project sourcing and credit evaluation), Marketplace (distribution of debt offerings through an exclusive offers dashboard with varying geography, guarantees, and tenures), and Monitoring & Management (Investor Dashboard tracking construction progress, sales, and payment compliance). Ancillary tools include the Calculadora financial-evaluation utility and a separate Developer Dashboard for project submission and investor relations. Underlying integrations span Fitbank for payment infrastructure and account custody, social OAuth providers (Facebook, Google, Apple) for authentication, and PIX for instant settlement. The company is part of the broader OSPA Group ecosystem, alongside OSPA (architecture and urbanism), ospa.place (urban development technology), responsive cities, and urbe.lab.
URBE.ME monetizes via two streams: (i) transaction fees charged to developers for listing projects and facilitating capital raises, and (ii) remuneration as a banking correspondent for partner financial institutions — Socinal (primary), Banco Topázio, and Money Plus — for loan negotiation, intermediation, and CCB distribution services. Investors face no platform fees; the minimum ticket is R$1,000 in R$1,000 increments up to each project's cap. Go-to-market is exclusively digital: self-serve onboarding for individual investors, direct inside-sales outreach to developers, and a dedicated institutional investor channel. An undisclosed early-stage round from BrazilLAB in August 2017 is the only disclosed funding event.
URBE.ME firmographics
Firmographics- Name
- URBE.ME
- Legal name
- URBE.ME Serviços Desenvolvimento Urbano Ltda.
- Website
- https://urbe.me
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- URBE.ME is a Brazilian digital real estate crowdfunding platform, operating as a banking correspondent under CMN 4.935, that connects individual and institutional investors with real estate developers (incorporadoras) through CCB debt instruments, requiring a R$1,000 minimum investment per project.
- Ownership category
- akta.pro rank
URBE.ME industry classification
Industry- Product category
- Real Estate Crowdfunding
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate Capital Markets Brokerage (Debt & Equity Placement) (FSAEAJAK)
- akta.pro secondary industries
- Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM), Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)
Keywords
Where URBE.ME is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
URBE.ME business model
Business model- GTM type
- B2B and B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel
Revenue model
- Platform Fees from Developers: URBE.ME charges fees to real estate developers (incorporadoras) for listing their projects and facilitating capital raises through the platform. The fees vary by project.
- Financial Institution Services: URBE.ME acts as a banking correspondent for financial institutions (Banco Topázio, Money Plus, Socinal) and receives remuneration for services provided to these institutions including loan negotiation, intermediary services, and CCB distribution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Individual Investor - No fees, R$ 1,000 minimum investment |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
URBE.ME product offering
Product offeringCore offering
URBE.ME operates a digital real estate crowdfunding marketplace that connects Brazilian real estate developers (incorporadoras) seeking capital with individual and institutional investors. Investors fund projects by purchasing CCB (Cédula de Crédito Bancário) debt instruments starting at R$ 1,000, with the platform providing project curation, governance, and an investor dashboard for portfolio monitoring. The company acts as a banking correspondent for partner financial institutions under CMN Resolution 4.935, intermediating credit operations and charging fees to developers for facilitating capital raises.
Product overview
URBE.ME is a unified real estate crowdfunding platform that operates as a digital marketplace connecting investors with real estate development projects. The platform consists of three interconnected core functions: Origination and Governance (project sourcing and credit analysis), Marketplace (investment offering distribution), and Investor Dashboard (portfolio monitoring). The platform serves three user segments: individual investors (with R$1,000 minimum investments), institutional investors, and incorporadoras (developers seeking capital. An additional Calculadora tool provides financial ratio analysis for developers evaluating projects. The company acts as a banking correspondent for partner financial institutions and issues CCB (Cédula de Crédito Bancário) debt instruments to investors.
Differentiator
Problem solved
Functional benefit
Brands
- urbe.lab: Referenced as a subdomain/lab section of the platform, though the lab page currently shows a WordPress error.
Quantifiable outcome
- 21.11% average annual return historical performance
- +4 more outcomes
Companies that use URBE.ME
Customer profileSegments3 records
Ideal customer profiles3 records
URBE.ME technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
URBE.ME partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- FitbankcoreFitbank Pagamentos Eletrônicos S.A. (CNPJ 13.203.354/0001-85) provides payment infrastructure and core banking services as a payment institution regulated under Lei 12.865. Handles investor account creation, deposits, and payment processing.
- OSPA GroupcoreURBE.ME is part of the OSPA ecosystem which includes OSPA (architecture and urbanism), ospa.place (technology for urban development), and responsive cities platform. The group is committed to responsive urban development.
Scale indicators7 records
Recent moves6 records
Expansion highlights4 records
URBE.ME competitors and assessment
Company assessmentDirect peers
- Bloxs: Bloxs is a Brazilian digital investment platform that intermediates real estate and other fixed-income receivables with retail investors through an online marketplace, making it the closest direct peer to URBE.ME in terms of product, geography, and customer base. Both platforms compete for Brazilian retail capital seeking real estate debt exposure.
- Groundfloor: Groundfloor is a U.S. real estate debt crowdfunding marketplace that connects individual investors with short-duration, asset-backed loans to real estate developers—the international model closest to URBE.ME's CCB-based developer debt structure. Both platforms emphasize low minimums, fixed-income-style returns, and developer-friendly origination workflows.
- CrowdStreet: CrowdStreet is a U.S. online marketplace for institutional and accredited retail capital to invest in commercial real estate via equity and debt offerings. It is highly comparable to URBE.ME's marketplace model for real estate-backed investments, although CrowdStreet skews more equity-tilted and accredited-investor oriented.
- Fundrise: Fundrise runs one of the largest U.S. real estate crowdfunding platforms offering low-minimum access to private real estate assets. Comparable to URBE.ME in democratizing real estate access via digital onboarding, though Fundrise is primarily equity/REIT-oriented and significantly larger.
- RealtyMogul: RealtyMogul is a U.S. real estate crowdfunding platform offering individual investors access to commercial real estate debt and equity through an online marketplace. Same marketplace-intermediation business model with similar product focus on real estate-backed investments.
- Yieldstreet: Yieldstreet is a U.S. alternative investments platform offering individual investors access to private debt, real estate, and other alternatives—directly comparable in democratizing institutional-style real estate debt products for retail investors.
- Sillas Capital: Sillas Capital is a Brazilian platform for real estate-backed investments and structured operations targeting both retail and institutional investors. Direct Brazilian competitor to URBE.ME with overlapping developer-lender intermediation model in the same regulatory environment.
- PeerStreet: PeerStreet was a leading U.S. real estate debt crowdfunding marketplace before ceasing originations in 2023. Its pre-shutdown model of fractional real estate debt to retail investors via an online platform was a near-identical conceptual twin of URBE.ME's CCB-backed developer debt marketplace.
Regional players
- Vortx: Vortx is a Brazilian financial infrastructure and investment platform that structures and distributes fixed-income and structured credit products including real estate-backed securities. Comparable to URBE.ME because it serves the same Brazilian originators and investors via digital distribution, though it leans more toward securitization products.
Broad incumbents
- XP Inc. XP Inc. is one of Brazil's largest retail-facing investment platforms with a broad product suite that increasingly includes private credit and real estate offerings. It is a broad incumbent competitor because it can offer cross-sell, balance sheet, and distribution scale that URBE.ME cannot match in its current niche.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
URBE.ME social profiles
Digital presenceURBE.ME compliance and trust
Trust signalCompliance3 records
URBE.ME financial estimates
Financial estimateRevenue estimate
Valuation estimate
URBE.ME leadership team
Management profileNumber of profiles
Profiles3 records
URBE.ME funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
URBE.ME M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about URBE.ME
What does URBE.ME do?
URBE.ME operates a digital real estate crowdfunding marketplace that connects Brazilian real estate developers (incorporadoras) seeking capital with individual and institutional investors. Investors fund projects by purchasing CCB (Cédula de Crédito Bancário) debt instruments starting at R$ 1,000, with the platform providing project curation, governance, and an investor dashboard for portfolio monitoring. The company acts as a banking correspondent for partner financial institutions under CMN Resolution 4.935, intermediating credit operations and charging fees to developers for facilitating capital raises.
Is URBE.ME a public or private company?
URBE.ME is a private company. It is classified as venture growth investor backed and is currently operating.
When was URBE.ME founded?
URBE.ME was founded in 2015. It employs 11 to 50 people.
Where is URBE.ME based?
URBE.ME is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does URBE.ME make money?
Two revenue lines are on record. Platform Fees from Developers are the primary driver. The others are financial Institution Services.
Who are URBE.ME's main competitors?
Direct peers on record are Bloxs, Groundfloor, CrowdStreet, Fundrise, RealtyMogul, Yieldstreet, Sillas Capital and PeerStreet. Vortx is listed as a regional player. XP Inc. is listed as a broad incumbent.
Does URBE.ME have an API?
No public API is recorded for URBE.ME.
What industry is URBE.ME in?
URBE.ME's product category is Real Estate Crowdfunding. Its primary akta.pro industry code is FSAEAJAK, Real Estate Capital Markets Brokerage (Debt & Equity Placement), with a secondary code of FSAEALAM, Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds). Its NAICS code is 522292 and its SIC code is 6163.